Peoples State Bank of Velva: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples State Bank of Velva of Velva, ND against its peer group of 2672 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 | 1.74% | 1.35% | +0.39% | 76th top |
| ROAE | 19.97% | 12.05% | +7.92% | 87th top |
| Net Interest Margin | 3.99% | 3.90% | +0.09% | 53rd above |
| Efficiency Ratio | 52.78% | 63.15% | -10.37% | 75th top |
| PPNR / Avg Assets | 1.76% | 1.64% | +0.12% | 60th above |
| Yield on Earning Assets | 6.03% | 5.65% | +0.38% | 70th above |
| Cost of Funds | 2.18% | 1.85% | +0.33% | 27th below |
| Net Interest Spread | 3.38% | 3.35% | +0.03% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 0.92% | -0.82% | 73rd above |
| NPA / Total Assets | 0.07% | 0.67% | -0.60% | 73rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 37th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.24% | 1.28% | -0.04% | 54th above |
| ACL / NPLs (Coverage) | 1209.62% | 1645.32% | -435.70% | — |
| Texas Ratio | 0.77% | 7.15% | -6.38% | 76th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 840.00% | 1189.41% | -349.41% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.27% | 20.83% | -8.56% | 20th bottom |
| Tier 1 Ratio | 12.27% | 20.87% | -8.60% | 20th bottom |
| Total Capital Ratio | 13.51% | 21.94% | -8.43% | 22nd bottom |
| Leverage Ratio | 9.31% | 12.46% | -3.15% | 18th bottom |
| Equity / Assets | 8.83% | 11.67% | -2.84% | 25th below |
| TCE / Tangible Assets | 8.83% | 11.40% | -2.57% | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.78% | 78.64% | +4.14% | 46th below |
| Core Deposit Ratio | 81.75% | 87.10% | -5.35% | 20th bottom |
| Wholesale Funding Ratio | 2.74% | 5.11% | -2.37% | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 20.03% | 6.47% | +13.56% | 95th top |
| Loan Growth (Y/Y) | 17.58% | 7.64% | +9.94% | 90th top |
| Deposit Growth (Y/Y) | 22.09% | 6.02% | +16.07% | 95th top |
See Peoples State Bank of Velva's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples State Bank of Velva, 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 of Velva profile, how to read a UBPR, or how this data updates.