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Peoples State Bank, Fairmount, North Dakota

Fairmount, ND · Cert 17174 · Dakotah Bankshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=748 to 752). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

20

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

56

Q2 2024Q2 2026peer median

Efficiency

36

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Peoples State Bank, Fairmount, North Dakota

Fairmount, ND · Cert 17174 · Dakotah Bankshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$38.5MAssets
$23.1MLoans
$35.6MDeposits
$2.7MEquity
Loan mix
67%RE $7.2M26%C&I $2.9M6%Consumer $0.7MQ3 2024Q2 2026
Deposit mix
67%Interest-bearing $23.9M33%Noninterest $11.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.95%, up 10 bps year over year; NIM at 4.23%.
  • 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 8.38%, up 1 bps from a year ago.
  • Funding: loans stand at 64.73% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.95%+10 bps YoY

Net Interest Margin (YTD, annualized)

4.23%+44 bps YoY

Efficiency Ratio (YTD, annualized)

70.23%-259 bps YoY

Tier 1 Leverage Ratio

8.38%+1 bps YoY

NIM

5.05%Q2 ’245.13%Q2 ’255.31%Q2 ’26+3%+12%

Non-interest income vs. expense

2.69%Q2 ’242.83%Q2 ’253.05%Q2 ’26+5%+8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.54%0.66%0.85%0.82%0.56%0.91%0.95%+10 bps
Return on Equity12.76%9.51%10.90%13.79%12.84%8.52%13.22%13.78%-2 bps
Net Interest Margin3.90%3.73%3.63%3.79%3.78%3.93%4.18%4.23%+44 bps
Efficiency Ratio74.83%80.64%77.68%72.82%73.00%82.17%70.15%70.23%-259 bps
Non-Interest Burden2.89%2.99%2.79%2.73%2.73%3.21%2.88%2.94%+21 bps
Growth
Asset Growth (YoY)13.36%3.24%-6.60%6.20%1.97%1.78%9.39%4.49%-171 bps
Loan Growth (YoY)-5.61%-5.00%-11.93%-9.67%-7.01%1.84%10.72%10.40%+2,007 bps
Deposit Growth (YoY)13.24%2.91%-7.64%5.48%1.15%0.17%8.71%3.87%-160 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.28%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.05%0.00%0.00%-0.03%-0.02%0.00%0.00%0 bps
Allowance / Loans1.04%1.03%1.19%1.12%1.13%1.03%1.15%1.08%-4 bps
Allowance Coverage of NPLs236.0xn/a4.3xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.51%7.99%8.01%8.37%8.36%8.39%8.32%8.38%+1 bps
Total Risk-Based Capital13.22%13.11%13.99%14.29%14.64%13.25%12.22%12.25%-204 bps
Equity / Assets6.47%5.82%6.21%6.43%7.17%7.29%6.59%6.91%+49 bps
Liquidity & Funding
Loans / Deposits67.59%68.75%57.42%60.90%62.14%69.90%58.48%64.73%+383 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/a19.69%24.99%35.28%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Peoples State Bank, Fairmount, North Dakota

Fairmount, ND · Cert 17174 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Dakotah Bankshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$38.5MAssets
$23.1MLoans
$35.6MDeposits
$2.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 748).
  • Widest gap: equity / assets trails 94% of banks under $1B in assets operating in a single state (rank 707 of 752).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.95%

Rank 443 of 752

Net Interest Margin

4.23%

Rank 175 of 752

Efficiency Ratio

70.23%

Rank 480 of 752

Equity / Assets

6.91%

Rank 707 of 752

Non-interest income vs. expense

$0.0M$1.2MINCOMEEXPENSE
Unfavorable gap of $1.1M · efficiency ratio beats 36% of banks under $1B in assets operating in a single state
Bank 70.23%Peer median 64.5%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.95%0.72%1.07%1.45%Beats 41%443 / 752
Return on Equity13.68%6.78%10.58%13.65%Beats 75%186 / 752
Net Interest Margin4.23%3.18%3.69%4.17%Beats 77%175 / 752
Efficiency Ratio70.23%55.75%64.49%75.47%Beats 36%480 / 752
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.03%Beats 100%105 / 748
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%182 / 748
Capital
Tier 1 Capital Ratio11.38%11.55%13.75%17.60%Beats 23%578 / 752
Total Risk-Based Capital Ratio12.25%11.70%14.33%18.47%Beats 30%525 / 752
Equity / Assets6.91%8.93%10.56%13.13%Beats 6%707 / 752
Liquidity & Funding
Loans / Deposits64.73%62.23%78.64%91.26%28th pctl538 / 752
Loans / Assets59.93%54.61%67.41%76.47%34th pctl499 / 752
Brokered Deposits / Depositsn/aNot reported for this institution