Peoples State Bank, Fairmount, North Dakota: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples State Bank, Fairmount, North Dakota of Fairmount, ND against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.98% | 3.14% | -2.16% | 46th below |
| ROAE | 14.32% | 10.41% | +3.91% | 79th top |
| Net Interest Margin | 4.43% | 3.93% | +0.50% | 73rd above |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 70.17% | 76.31% | -6.14% | 49th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.32% | 1.40% | -0.08% | 55th above |
| Yield on Earning Assets | 5.49% | 5.35% | +0.14% | 61st above |
| Cost of Funds | 1.09% | 1.71% | -0.62% | 74th above |
| Net Interest Spread | 3.83% | 3.31% | +0.52% | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.08% | 1.49% | -0.41% | 37th below |
| Texas Ratio | 0.00% | 8.26% | -8.26% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.38% | 61.98% | -50.60% | 5th bottom |
| Tier 1 Ratio | 11.38% | 61.98% | -50.60% | 5th bottom |
| Total Capital Ratio | 12.25% | 62.95% | -50.70% | 5th bottom |
| Leverage Ratio | 8.38% | 17.61% | -9.23% | 6th bottom |
| Equity / Assets | 6.91% | 16.43% | -9.52% | 5th bottom |
| TCE / Tangible Assets | 6.91% | 16.18% | -9.27% | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.73% | 72.84% | -8.11% | 53rd above |
| Core Deposit Ratio | 99.19% | 88.20% | +10.99% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.49% | 4.30% | +0.19% | 61st above |
| Loan Growth (Y/Y) | 10.40% | 6.72% | +3.68% | 79th top |
| Deposit Growth (Y/Y) | 3.87% | 3.77% | +0.10% | 60th above |
See Peoples State Bank, Fairmount, North Dakota's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples State Bank, Fairmount, North Dakota, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Peoples State Bank, Fairmount, North Dakota profile, how to read a UBPR, or how this data updates.