Peoples State Bank
Westhope, ND · Cert 13196 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Peoples State Holding Co.
State charter, non-member · FDIC · 2 branches
Q2 2026
$69.9MAssets
$39.7MLoans
$60.7MDeposits
$9.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 108 of 751).
- Widest gap: return on equity trails 62% of banks under $1B in assets operating in a single state (rank 468 of 755).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.10%
Rank 354 of 755
Net Interest Margin
3.55%
Rank 427 of 755
Efficiency Ratio
63.65%
Rank 353 of 755
Equity / Assets
12.99%
Rank 200 of 755
Non-interest income vs. expense
Unfavorable gap of $1.6M · efficiency ratio beats 53% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.72% | 1.06% | 1.45% | Beats 53% | 354 / 755 | |
| Return on Equity | 8.47% | 6.66% | 10.44% | 13.61% | Beats 38% | 468 / 755 | |
| Net Interest Margin | 3.55% | 3.15% | 3.68% | 4.17% | Beats 43% | 427 / 755 | |
| Efficiency Ratio | 63.65% | 55.75% | 64.78% | 75.61% | Beats 53% | 353 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.05% | Beats 100% | 108 / 751 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 13.52% | 11.56% | 13.81% | 17.74% | Beats 47% | 402 / 755 | |
| Total Risk-Based Capital Ratio | 13.52% | 11.72% | 14.46% | 18.53% | Beats 42% | 439 / 755 | |
| Equity / Assets | 12.99% | 8.93% | 10.56% | 13.13% | Beats 74% | 200 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 65.40% | 62.43% | 78.62% | 91.00% | 29th pctl | 539 / 755 | |
| Loans / Assets | 56.80% | 54.70% | 67.27% | 76.55% | 29th pctl | 535 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |