Peoples State Bank, Fairmount, North Dakota
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Data as of · sourced from FFIEC call reports. How we update
Peoples State Bank, Fairmount, North Dakota is an FDIC-insured commercial bank headquartered in Fairmount, ND, established in 1953 (FDIC certificate 17174), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $38.5M, up 4.5% from Q2 2025, the 60th largest of 60 banks headquartered in North Dakota. Its CET1 capital ratio was 11.38% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17174
- Headquarters
- Fairmount, ND
- Established
- 1953
- Total assets, Q2 2026
- $38.5M
- Assets vs Q2 2025
- +4.5%
- CET1 ratio, Q2 2026
- 11.38%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 091311009
- Latest call report
- Q2 2026, FFIEC 051 · Peoples State Bank, Fairmount, North Dakota call report
- Holding company
- DAKOTAH BANKSHARES, INC.
- Asset rank in state
- 60th of 60 in North Dakota
Peoples State Bank, Fairmount, North Dakota operates with a thinner capital cushion than most banks of its size. Based in Fairmount, North Dakota, it had $38 million in assets at June 30, 2026, up 4.5% from a year earlier. It holds common equity equal to 11.38% of its risk-weighted assets, about half the median of 22.08% for the 583 banks with less than $100 million in assets. On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
Loans are outrunning deposits: over the year loans rose 10.4% and deposits rose 3.9%. Paper losses on its bond portfolio are shrinking: unrealized losses of $751,000 equal 23% of Tier 1 capital, down from 28% a year earlier.
As of June 30, 2026, Peoples State Bank, Fairmount, North Dakota reported a CET1 capital ratio of 11.38%, a return on assets of 0.98%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 60 banks headquartered in North Dakota, Peoples State Bank, Fairmount, North Dakota is the smallest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 4.1% to $38.5M, loans rose 5.7% and deposits fell 4.5%. Its loan book on June 30, 2026 was led by leases, at 24.7% of total loans, followed by agricultural production loans at 23.8%. Its 2 offices in the FDIC Summary of Deposits are in Fairmount, ND and Wahpeton, ND; its Fairmount office books 66% of its branch deposits. Judged on its Q2 2026 call report, Peoples State Bank, Fairmount, North Dakota meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 Main Ave, Fairmount, ND 58030
- County
- Richland
- Metro Area
- Wahpeton, ND-MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 2, 1953
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $35.6M
- Allowance for credit losses
- $250K
- Net charge-offs (YTD)
- $0
- Average total assets
- $38.8M
- Average total loans
- $17.0M
- Average interest-bearing deposits
- $24.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1953
- FDIC Cert
- 17174
- Fed RSSD
- 838155
- Website
- www.peoples-state.com →
- Parent Holding Company
- DAKOTAH BANKSHARES, INC. (RSSD 2359328)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Peoples State Bank, Fairmount, North Dakota's total assets ran between $31.9M (Q3 2023) and $40.1M (Q1 2026), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$38.5M total assets against $36.8M; $35.8M total liabilities against $34.5M.
$22.8M net loans and leases against $20.7M; $35.6M total deposits against $34.3M.
$10.6M securities against $9.1M; $4.0M cash and balances due against $6.2M.
$525K total interest income against $478K; $101K total interest expense against $122K.
$424K net interest income against $356K.
$7K total noninterest income against $9K; $303K total noninterest expense against $249K.
$0 provision for credit losses against $0.
$95K net income against $95K.
0.98% return on assets against 1.04%; 4.43% net interest margin against 3.97%.
11.38% CET1 capital ratio against 13.27%; 8.38% tier 1 leverage ratio against 8.37%.
Inside the full Peoples State Bank, Fairmount, North Dakota terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePeoples State Bank, Fairmount, North Dakota rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.23% (Q4 2025) to 1.04% (Q2 2025) and its net interest margin ran from 3.75% (Q1 2025) to 4.43% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.38% | 0.98% | 0.00% | 0.00% | 4.43% |
| Q1 2026 | 11.32% | 0.92% | 0.00% | 0.00% | 4.28% |
| Q4 2025 | 12.30% | -0.23% | 0.00% | 0.00% | 4.32% |
| Q3 2025 | 13.60% | 0.76% | 0.00% | 0.00% | 4.13% |
| Q2 2025 | 13.27% | 1.04% | 0.00% | 0.00% | 3.97% |
| Q1 2025 | 12.96% | 0.64% | 0.28% | 2.19% | 3.75% |
| Q4 2024 | 12.12% | -0.01% | 0.00% | 0.00% | 3.91% |
| Q3 2024 | 12.23% | 0.51% | 0.00% | 0.04% | 3.95% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Peoples State Bank, Fairmount, N. D. | Fairmount , ND | 58030 | $23.5M |
| Wahpeton Branch | Wahpeton , ND | 58075 | $12.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in ND, rank 69 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $942K approved, $942K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Peoples State Bank, Fairmount, North Dakota
What are Peoples State Bank, Fairmount, North Dakota's total assets?
As of the Q2 2026 filing, Peoples State Bank, Fairmount, North Dakota reported total assets of $38.5 million in its FFIEC call report.
Where is Peoples State Bank, Fairmount, North Dakota headquartered?
It is headquartered in Fairmount, ND, United States.
When was Peoples State Bank, Fairmount, North Dakota founded?
It was established in 1953, per the FDIC institution directory.
Is Peoples State Bank, Fairmount, North Dakota FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17174). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples State Bank, Fairmount, North Dakota?
Peoples State Bank, Fairmount, North Dakota's primary federal regulator is the FDIC.
What is Peoples State Bank, Fairmount, North Dakota's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.38% in its Q2 2026 call report, above regulatory requirements.
How many branches does Peoples State Bank, Fairmount, North Dakota operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples State Bank, Fairmount, North Dakota's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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