PEOPLES STATE BANK, FAIRMOUNT, NORTH DAKOTA

FAIRMOUNT, ND | Micro | Est. Jan. 2, 1953, midnight | FDIC #17174 | RSSD #838155 | FDIC
Latest Report: 2025-12-31

PEOPLES STATE BANK, FAIRMOUNT, NORTH DAKOTA is amn micro FDIC-insured commercial bank headquartered in FAIRMOUNT, ND, established in Jan. 2, 1953, midnight. As of 2025-12-31, the bank reported total assets of $36M and total deposits of $33M. Profitability stands at -0.23% ROA and -3.19% ROE, with a net interest margin of 4.62%. The bank's CET1 capital ratio is 12.30%, 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 #17174.

Assets

$36M

Deposits

$33M

Loans

$23M

Equity

$3M

Profitability

Return on Assets (ROA) -0.23%
Return on Equity (ROE) -3.19%
Net Interest Margin (NIM) 4.62%
Yield on Assets 5.97%
Cost of Funds 2.00%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 12.30%
Tier 1 Capital 12.30%
Total Capital Ratio 13.25%
Leverage Ratio 8.39%
Loan-to-Deposit 69.90%

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