Peoples State Bank, Fairmount, North Dakota
Fairmount, ND · Cert 17174 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 743).
- Widest gap: equity / assets trails 94% of banks under $1B in assets operating in a single state (rank 701 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.95%
Rank 433 of 746
Net Interest Margin
4.23%
Rank 167 of 746
Efficiency Ratio
70.23%
Rank 475 of 746
Equity / Assets
6.91%
Rank 701 of 746
Non-interest income vs. expense
Unfavorable gap of $1.1M · efficiency ratio beats 36% 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 | 0.95% | 0.72% | 1.06% | 1.45% | Beats 42% | 433 / 746 | | |
| Return on Equity | 13.68% | 6.74% | 10.51% | 13.63% | Beats 75% | 184 / 746 | | |
| Net Interest Margin | 4.23% | 3.17% | 3.68% | 4.16% | Beats 78% | 167 / 746 | | |
| Efficiency Ratio | 70.23% | 55.74% | 64.58% | 75.47% | Beats 36% | 475 / 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 | 11.38% | 11.55% | 13.75% | 17.60% | Beats 23% | 574 / 746 | | |
| Total Risk-Based Capital Ratio | 12.25% | 11.71% | 14.33% | 18.43% | Beats 30% | 520 / 746 | | |
| Equity / Assets | 6.91% | 8.90% | 10.51% | 13.06% | Beats 6% | 701 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.73% | 61.31% | 78.27% | 90.78% | 29th pctl | 526 / 746 | | |
| Loans / Assets | 59.93% | 53.60% | 66.97% | 76.08% | 35th pctl | 486 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |