PEOPLES STATE BANK OF VELVA

VELVA, ND | Small | Est. Jan. 1, 1915, midnight | FDIC #10250 | RSSD #713252 | FDIC
Latest Report: 2025-12-31

PEOPLES STATE BANK OF VELVA is asn small FDIC-insured commercial bank headquartered in VELVA, ND, established in Jan. 1, 1915, midnight. As of 2025-12-31, the bank reported total assets of $189M and total deposits of $166M. Profitability stands at 1.47% ROA and 16.43% ROE, with a net interest margin of 3.98%. The bank's CET1 capital ratio is 12.77%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.21% and a Texas Ratio of 1.52%. FDIC Certificate #10250.

Assets

$189M

Deposits

$166M

Loans

$139M

Equity

$17M

Profitability

Return on Assets (ROA) 1.47%
Return on Equity (ROE) 16.43%
Net Interest Margin (NIM) 3.98%
Yield on Assets 6.23%
Cost of Funds 2.29%

Asset Quality

NPL Ratio 0.21%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.52%
NPA Ratio 0.15%
ACL / Loans 1.33%

Capital & Liquidity

CET1 Ratio 12.77%
Tier 1 Capital 12.77%
Total Capital Ratio 14.02%
Leverage Ratio 9.58%
Loan-to-Deposit 84.01%

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