Peoples State Bank, Fairmount, North Dakota: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 20.99 percentage points in Q2 2026, from 21.29% to 42.28%. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, Peoples State Bank, Fairmount, North Dakota is 41st of 60 on loan-to-deposit ratio, 64.73% as of Q2 2026, below the middle of the field. Peoples State Bank, Fairmount, North Dakota reported 64.73% on loan-to-deposit ratio for Q2 2026, 2.89 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $23.1M |
| Net loans and leases | $22.8M |
| Loans held for sale | $0 |
| Loans to total assets | 59.93% |
| Loan-to-deposit ratio | 64.73% |
| Net loans to equity capital | 8.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.25% |
| Multifamily (5+ residential) | 0.82% |
| Commercial and industrial | 14.08% |
| Consumer | 3.59% |
| Credit cards | 0.00% |
| Farm | 14.80% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.44% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 42.28% |
| Construction concentration (Tier 1 capital + allowance) | 12.95% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.91% |
| Interest income on loans | $302K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $24.1M | $29.8M | 2.47% | 17.87% | 4.37% |
| Q4 2023 | $24.0M | $32.2M | 2.40% | 17.52% | 4.47% |
| Q1 2024 | $22.4M | $37.2M | 2.88% | 17.39% | 4.44% |
| Q2 2024 | $23.1M | $32.5M | 2.67% | 17.05% | 4.15% |
| Q3 2024 | $22.8M | $33.7M | 2.19% | 15.92% | 4.53% |
| Q4 2024 | $22.8M | $33.2M | 2.19% | 15.17% | 4.23% |
| Q1 2025 | $19.7M | $34.3M | 2.45% | 15.84% | 4.09% |
| Q2 2025 | $20.9M | $34.3M | 1.74% | 14.34% | 3.70% |
| Q3 2025 | $21.2M | $34.1M | 1.69% | 12.23% | 3.31% |
| Q4 2025 | $23.2M | $33.2M | 1.99% | 14.50% | 2.69% |
| Q1 2026 | $21.8M | $37.3M | 2.68% | 13.07% | 3.13% |
| Q2 2026 | $23.1M | $35.6M | 5.25% | 14.08% | 3.59% |
Peoples State Bank, Fairmount, North Dakota loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State Bank, Fairmount, North Dakota, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Peoples State Bank, Fairmount, North Dakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17174) · FFIEC NIC profile (RSSD 838155)