PEOPLES STATE BANK

WESTHOPE, ND | Micro | Est. June 12, 1906, midnight | FDIC #13196 | RSSD #238250 | FDIC
Latest Report: 2025-12-31

PEOPLES STATE BANK is amn micro FDIC-insured commercial bank headquartered in WESTHOPE, ND, established in June 12, 1906, midnight. As of 2025-12-31, the bank reported total assets of $72M and total deposits of $62M. Profitability stands at 1.05% ROA and 8.36% ROE, with a net interest margin of 4.18%. The bank's CET1 capital ratio is 12.73%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #13196.

Assets

$72M

Deposits

$62M

Loans

$43M

Equity

$9M

Profitability

Return on Assets (ROA) 1.05%
Return on Equity (ROE) 8.36%
Net Interest Margin (NIM) 4.18%
Yield on Assets 5.84%
Cost of Funds 2.57%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 12.73%
Tier 1 Capital 12.73%
Total Capital Ratio 13.36%
Leverage Ratio 13.34%
Loan-to-Deposit 69.68%

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