Peoples State Bank
Westhope, ND · Cert 13196 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 105 of 743).
- Widest gap: return on equity trails 63% of banks under $1B in assets operating in a single state (rank 467 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.10%
Rank 352 of 746
Net Interest Margin
3.55%
Rank 425 of 746
Efficiency Ratio
63.65%
Rank 351 of 746
Equity / Assets
12.99%
Rank 192 of 746
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.72% | 1.06% | 1.45% | Beats 53% | 352 / 746 | | |
| Return on Equity | 8.47% | 6.74% | 10.51% | 13.63% | Beats 37% | 467 / 746 | | |
| Net Interest Margin | 3.55% | 3.17% | 3.68% | 4.16% | Beats 43% | 425 / 746 | | |
| Efficiency Ratio | 63.65% | 55.74% | 64.58% | 75.47% | Beats 53% | 351 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.52% | 11.55% | 13.75% | 17.60% | Beats 47% | 396 / 746 | | |
| Total Risk-Based Capital Ratio | 13.52% | 11.71% | 14.33% | 18.43% | Beats 42% | 431 / 746 | | |
| Equity / Assets | 12.99% | 8.90% | 10.51% | 13.06% | Beats 74% | 192 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.40% | 61.31% | 78.27% | 90.78% | 30th pctl | 520 / 746 | | |
| Loans / Assets | 56.80% | 53.60% | 66.97% | 76.08% | 31st pctl | 518 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |