Bank Comparison
State Bank & Trust of Kenmare vs Peoples State Bank of Velva
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 17
winning metrics across 23 comparable rows
Capital adequacy
| Metric | State Bank & Trust of Kenmare | Peoples State Bank of Velva |
|---|---|---|
| CET1 Ratio | 16.32% | 12.74% |
| Tier 1 Capital Ratio | 16.32% | 12.74% |
| Total Capital Ratio | 17.18% | 13.99% |
| Tier 1 Leverage Ratio | 9.05% | 9.47% |
| Equity / Assets | 6.76% | 8.44% |
Profitability
| Metric | State Bank & Trust of Kenmare | Peoples State Bank of Velva |
|---|---|---|
| Return on Assets (ROA) | 0.95% | 1.43% |
| Return on Equity (ROE) | 13.85% | 16.11% |
| Net Interest Margin (NIM) | 2.76% | 3.89% |
| Yield on Earning Assets | 4.53% | 5.96% |
| Cost of Funds | 1.88% | 2.18% |
Asset quality
| Metric | State Bank & Trust of Kenmare | Peoples State Bank of Velva |
|---|---|---|
| Texas Ratio | 10.58% | 1.48% |
| Non-Performing Loan Ratio | 1.76% | 0.21% |
| Non-Performing Asset Ratio | 0.76% | 0.14% |
| Net Charge-Off Ratio | -0.07% | 0.00% |
| ACL / Loans | 1.10% | 1.38% |
Balance sheet
| Metric | State Bank & Trust of Kenmare | Peoples State Bank of Velva |
|---|---|---|
| Total Assets | $197,706K | $206,073K |
| Total Deposits | $180,794K | $187,530K |
| Total Loans | $85,002K | $135,361K |
| Total Equity | $13,372K | $17,394K |
| Net Income (quarter) | $467 | $699 |
Liquidity & funding
| Metric | State Bank & Trust of Kenmare | Peoples State Bank of Velva |
|---|---|---|
| Loan-to-Deposit Ratio | 47.02% | 72.18% |
| Core Deposit Ratio | 81.35% | 89.52% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Bank & Trust of Kenmare | Peoples State Bank of Velva |
|---|---|---|
| Headquarters City | KENMARE | VELVA |
| Headquarters State | ND | ND |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 18 | 20 |
| Established | Jan. 1, 1925, midnight | Jan. 1, 1915, 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.
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