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Peoples State Bank

Westhope, ND · Cert 13196 · Peoples State Holding Co.

State charter, non-member · FDIC · 2 branches

Q2 2026

$69.9MAssets
$39.7MLoans
$60.7MDeposits
$9.1MEquity
Loan mix
87%RE $19.7M8%C&I $1.8M4%Consumer $1.0MQ3 2024Q2 2026
Deposit mix
46%Interest-bearing $28.0M54%Noninterest $32.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.09%, up 21 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.52%, up 5 bps from a year ago.
  • Funding: loans stand at 65.40% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.09%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.55%+33 bps YoY

Efficiency Ratio (YTD, annualized)

63.65%-363 bps YoY

Tier 1 Leverage Ratio

13.52%+5 bps YoY

NIM

4.12%Q2 ’244.59%Q2 ’254.81%Q2 ’26+9%+10%

Non-interest income vs. expense

1.82%Q2 ’242.25%Q2 ’252.33%Q2 ’26+20%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.80%0.67%0.88%0.96%0.93%0.91%1.09%+21 bps
Return on Equity8.25%7.26%5.74%7.37%8.02%7.66%7.25%8.57%+119 bps
Net Interest Margin3.13%3.19%3.13%3.22%3.42%3.42%3.61%3.55%+33 bps
Efficiency Ratio63.89%69.14%73.52%67.28%64.80%66.77%67.12%63.65%-363 bps
Non-Interest Burden1.98%2.18%2.28%2.13%2.17%2.25%2.39%2.22%+9 bps
Growth
Asset Growth (YoY)-7.14%-5.67%-2.06%-1.70%2.54%1.41%0.53%-1.05%+65 bps
Loan Growth (YoY)14.76%12.30%-0.78%8.41%11.48%11.47%12.91%6.36%-204 bps
Deposit Growth (YoY)-3.27%-1.22%-3.27%-3.46%-2.30%-0.19%-0.02%-1.67%+179 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.01%0.00%0.00%0.00%-1 bps
Allowance / Loans1.38%1.35%1.64%1.41%1.23%1.24%1.48%1.35%-5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.49%12.88%13.21%13.47%13.52%13.34%13.41%13.52%+5 bps
Total Risk-Based Capital13.49%12.88%13.21%13.47%13.52%13.34%13.41%13.52%+5 bps
Equity / Assets12.35%11.31%11.91%12.45%12.28%12.73%12.40%12.99%+54 bps
Liquidity & Funding
Loans / Deposits62.46%62.40%51.97%60.46%71.27%69.68%58.70%65.40%+494 bps
Liquid Assets / Assets11.25%10.07%12.91%14.91%15.08%15.06%14.93%15.07%+16 bps
CRE / Total Capitaln/an/an/an/a12.80%12.46%12.70%n/an/a