Bank Comparison
Peoples State Bank, Fairmount, North Dakota vs First Security Bank-Hendricks
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Peoples State Bank, Fairmount, North Dakota | First Security Bank-Hendricks |
|---|---|---|
| CET1 Ratio | 11.32% | 29.99% |
| Tier 1 Capital Ratio | 11.32% | 29.99% |
| Total Capital Ratio | 12.22% | 30.86% |
| Tier 1 Leverage Ratio | 8.32% | 13.63% |
| Equity / Assets | 6.59% | 11.16% |
Profitability
| Metric | Peoples State Bank, Fairmount, North Dakota | First Security Bank-Hendricks |
|---|---|---|
| Return on Assets (ROA) | 0.92% | 1.65% |
| Return on Equity (ROE) | 13.22% | 15.00% |
| Net Interest Margin (NIM) | 4.28% | 3.47% |
| Yield on Earning Assets | 5.44% | 4.53% |
| Cost of Funds | 1.22% | 1.19% |
Asset quality
| Metric | Peoples State Bank, Fairmount, North Dakota | First Security Bank-Hendricks |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.15% | 1.11% |
Balance sheet
| Metric | Peoples State Bank, Fairmount, North Dakota | First Security Bank-Hendricks |
|---|---|---|
| Total Assets | $40,140K | $40,319K |
| Total Deposits | $37,316K | $35,727K |
| Total Loans | $21,822K | $14,819K |
| Total Equity | $2,646K | $4,501K |
| Net Income (quarter) | $87 | $174 |
Liquidity & funding
| Metric | Peoples State Bank, Fairmount, North Dakota | First Security Bank-Hendricks |
|---|---|---|
| Loan-to-Deposit Ratio | 58.48% | 41.48% |
| Core Deposit Ratio | 99.23% | 95.13% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peoples State Bank, Fairmount, North Dakota | First Security Bank-Hendricks |
|---|---|---|
| Headquarters City | FAIRMOUNT | Hendricks |
| Headquarters State | ND | MN |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 9 | 6 |
| Established | Jan. 2, 1953, midnight | Aug. 30, 1940, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Peoples State Bank, Fairmount, North Dakota profile | View full First Security Bank-Hendricks profile | Browse all bank comparisons