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Peoples State Bank
Westhope, ND · FDIC Certificate #13196 · Chartered 06/1
Total assets
$69.93M
Total deposits
$60.74M
Total equity
$9.08M
Net loans
$39.19M
Branches (offices)
2
Net income (YTD)
$490.00K
Rank: #3,907 of 4,213 U.S. banks by assets · #54 of 60 in North Dakota. Assets changed -1.1% and deposits -1.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.39% |
| Return on equity | 10.91% |
| Net interest margin (YTD) | 3.77% |
| Equity to assets | 12.99% |
| Tier 1 leverage ratio | 13.52% |
| Uninsured deposits (share of deposits) | 31.2% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 64.5% |
| Real estate loans (share of loans) | 50.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $19.92M | 50.8% | |
| Commercial & industrial | $1.96M | 5.0% | |
| Consumer / individual | $1.10M | 2.8% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $16.74M | 42.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $76.80M | $69.48M | $247.00K | $7.31M |
| Jun 2023 | $73.20M | $65.04M | $601.00K | $7.53M |
| Jun 2024 | $71.90M | $63.98M | $441.00K | $7.83M |
| Jun 2025 | $70.67M | $61.77M | $393.00K | $8.80M |
| Jun 2026 | $69.93M | $60.74M | $490.00K | $9.08M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $60.74M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $60.74M.
Similar-sized banks
Adams State Bank ($70.16M) · Bank Of Holyrood ($69.77M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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