Peoples State Bank, Fairmount, North Dakota: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 6.25 percentage points higher than in Q1 2026, at 64.73%. Peoples State Bank, Fairmount, North Dakota ranks 54th of 60 North Dakota banks on return on assets, in the lower half at 0.98% (Q2 2026). The median for banks in the < $100M asset tier is 0.98% on return on assets; Peoples State Bank, Fairmount, North Dakota reported 0.98% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.38% |
| Tier 1 risk-based capital ratio | 11.38% |
| Total risk-based capital ratio | 12.25% |
| Tier 1 leverage ratio | 8.38% |
| Equity capital to assets | 6.91% |
| Tangible equity to tangible assets | 6.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.98% |
| Return on equity | 14.32% |
| Net interest margin | 4.43% |
| Efficiency ratio | 70.17% |
| Yield on earning assets | 5.49% |
| Cost of funds | 1.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.73% |
| Core deposits to total deposits | 99.19% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.59% |
| Securities to assets | 27.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 9.94% | 9.94% | 10.79% | 8.76% | 0.69% |
| Q4 2023 | 11.06% | 11.06% | 12.01% | 8.16% | -0.11% |
| Q1 2024 | 11.32% | 11.32% | 12.26% | 7.98% | 1.02% |
| Q2 2024 | 11.83% | 11.83% | 12.80% | 7.91% | 0.68% |
| Q3 2024 | 12.23% | 12.23% | 13.22% | 8.51% | 0.51% |
| Q4 2024 | 12.12% | 12.12% | 13.11% | 7.99% | -0.01% |
| Q1 2025 | 12.96% | 12.96% | 13.99% | 8.01% | 0.64% |
| Q2 2025 | 13.27% | 13.27% | 14.29% | 8.37% | 1.04% |
| Q3 2025 | 13.60% | 13.60% | 14.64% | 8.36% | 0.76% |
| Q4 2025 | 12.30% | 12.30% | 13.25% | 8.39% | -0.23% |
| Q1 2026 | 11.32% | 11.32% | 12.22% | 8.32% | 0.92% |
| Q2 2026 | 11.38% | 11.38% | 12.25% | 8.38% | 0.98% |
Peoples State Bank, Fairmount, North Dakota vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State Bank, Fairmount, North Dakota, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)