Westhope, ND · Cert 13196 · Peoples State Holding Co.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.09% | 1.13% | 0.83% | 0.91% | 1.27% | +18 bps | |
| Return on Equity | 8.94% | 9.16% | 6.60% | 7.25% | 10.00% | +106 bps | |
| Net Interest Margin | 3.34% | 3.70% | 3.76% | 3.61% | 3.56% | +22 bps | |
| Efficiency Ratio | 61.59% | 60.36% | 72.02% | 67.12% | 60.24% | -135 bps | |
| Non-Interest Burden | 2.00% | 2.19% | 2.69% | 2.39% | 2.09% | +10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.70% | 2.54% | 1.41% | 0.53% | -1.05% | +65 bps | |
| Loan Growth (YoY) | 8.41% | 11.48% | 11.47% | 12.91% | 6.36% | -204 bps | |
| Deposit Growth (YoY) | -3.46% | -2.30% | -0.19% | -0.02% | -1.67% | +179 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | -0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.41% | 1.23% | 1.24% | 1.48% | 1.35% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.47% | 13.52% | 13.34% | 13.41% | 13.52% | +5 bps | |
| Total Risk-Based Capital | 13.47% | 13.52% | 13.34% | 13.41% | 13.52% | +5 bps | |
| Equity / Assets | 12.45% | 12.28% | 12.73% | 12.40% | 12.99% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.46% | 71.27% | 69.68% | 58.70% | 65.40% | +494 bps | |
| Liquid Assets / Assets | 14.91% | 15.08% | 15.06% | 14.93% | 15.07% | +16 bps | |
| CRE / Total Capital | n/a | 12.80% | 12.46% | 12.70% | n/a | n/a | |