Peoples State Bank of Velva
Peoples State Bank of Velva is an FDIC-insured commercial bank, in the early years of the Federal Reserve System. The Q1 2026 balance sheet stands at $206M in assets, including $135M in loans. The bank posts a strong 1.43% ROA and 16.11% ROE. Regulatory capital is solid — 12.74% CET1 and 13.99% total risk-based capital ratio. Asset quality is pristine — 0.21% NPLs and a 1.48% Texas Ratio. It operates 2 branches, primarily in North Dakota.
Headquarters Profile
- Address
- 101 Main St N, VELVA, ND 58790
- County
- Mchenry
- Metro Area
- MINOT, ND
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- January 1, 1915
- Branches
- 2 domestic
- Employees (FTE)
- 20
- FDIC Cert
- 10250
- Fed RSSD
- 713252
- Website
- www.psbvelva.com →
- Parent Holding Company
- BEALL BANCSHARES INC. (RSSD 4412151)
Capital & Liquidity
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Peoples State Bank of Velva rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- FailureFailure / assisted resolutionFDIC FAILURES
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Similar banks
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Frequently asked about Peoples State Bank of Velva
What are Peoples State Bank of Velva's total assets?
As of the Q1 2026 filing, Peoples State Bank of Velva reported total assets of $206.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Peoples State Bank of Velva headquartered?
Peoples State Bank of Velva is headquartered in VELVA, ND, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Peoples State Bank of Velva founded?
Peoples State Bank of Velva was established in 1915, per the FDIC institution directory.
Is Peoples State Bank of Velva FDIC-insured?
Yes. Peoples State Bank of Velva is an FDIC-insured commercial bank (FDIC Certificate #10250). 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 of Velva?
Peoples State Bank of Velva's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Peoples State Bank of Velva's CET1 capital ratio?
Peoples State Bank of Velva reported a Common Equity Tier 1 (CET1) capital ratio of 12.74% in its most recent quarterly filing — above regulatory minimums.
How many branches does Peoples State Bank of Velva operate?
Peoples State Bank of Velva operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Peoples State Bank of Velva's Texas Ratio?
Peoples State Bank of Velva's Texas Ratio is 1.48% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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