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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

$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 0.97%, down 7 bps year over year; NIM at 4.37%.
  • 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 (quarter, annualized)

0.97%-7 bps YoY

Net Interest Margin (quarter, annualized)

4.37%+46 bps YoY

Efficiency Ratio (quarter, annualized)

70.30%+208 bps YoY

Tier 1 Leverage Ratio

8.38%+1 bps YoY

NIM

5.24%Q2 ’245.24%Q2 ’255.41%Q2 ’26+3%+12%

Non-interest income vs. expense

2.99%Q2 ’242.73%Q2 ’253.12%Q2 ’26-9%+16%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%-0.01%0.66%1.03%0.77%-0.23%0.91%0.97%-7 bps
Return on Equity8.02%-0.18%10.90%16.36%11.33%-3.19%13.22%14.32%-204 bps
Net Interest Margin3.87%3.87%3.63%3.90%3.95%4.20%4.18%4.37%+46 bps
Efficiency Ratio82.54%97.21%77.68%68.22%73.35%107.30%70.15%70.30%+208 bps
Non-Interest Burden3.18%3.76%2.79%2.63%2.87%4.51%2.88%3.05%+42 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%0.19%0.00%0.00%-0.08%0.00%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