BlastPoint's Banking Scorecard
Peoples State Bank of Velva
Velva, ND
2 branches across ND
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 34 in ND.
- Deposits +22.1% year over year ($184.4M on the books).
- Delinquency rate 0.10%.
- Return on assets 1.58%.
- Efficiency ratio 56.80% vs a 64.48% peer average.
- Loan-to-deposit ratio 81.75% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples State Bank of Velva has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.26% above tier average
- + Efficiency Ratio 7.68% below tier average
- + Delinquency Rate 0.81% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.51% below tier average
- - Net Interest Margin 0.17% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$210.0M
+20.0% YoY
+1.9% QoQ
|
-$176.6M |
$386.6M
+1.2% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
29% |
| Total Loans ? |
$150.7M
+17.8% YoY
+12.9% QoQ
|
-$107.6M |
$258.3M
+1.7% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$184.4M
+22.1% YoY
-1.7% QoQ
|
-$142.4M |
$326.7M
+0.7% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
30% |
| Return on Assets ? |
1.58%
+23.4% YoY
+11.8% QoQ
|
+0.26% |
1.32%
+10.8% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
70% |
| Net Interest Margin ? |
3.82%
+1.3% YoY
+2.5% QoQ
|
-0.17% |
3.99%
+5.0% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
44% |
| Efficiency Ratio ? |
56.80%
-14.5% YoY
-4.1% QoQ
|
-7.68% |
64.48%
-3.2% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
67% |
| Delinquency Rate ? |
0.10%
-77.0% YoY
-51.2% QoQ
|
-0.81% |
0.92%
+15.7% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
81.75%
-3.5% YoY
+14.8% QoQ
|
+3.80% |
77.95%
+1.0% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
18.29%
-9.6% YoY
-2.4% QoQ
|
-3.74% |
22.03%
-0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.07%
-77.4% YoY
-45.9% QoQ
|
-0.59% |
0.67%
+16.4% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
12.27%
-5.0% YoY
-3.6% QoQ
|
-3.63% |
15.91%
+1.4% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.06%
-50.2% YoY
+124.6% QoQ
|
-0.51% |
0.57%
+7.6% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
Bottom 6.7% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
18.3%
-2.0pp YoY -0.5pp QoQ |
-3.9pp | 22.1% | 21.6% | 22.2% | 37% |
| Brokered Deposits |
7.7%
+3.7pp YoY +0.1pp QoQ |
-0.2pp | 7.9% | 6.0% | 8.5% | 67% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.2%
-1.1pp YoY -1.1pp QoQ |
+3.6pp | 11.6% | 12.9% | 12.5% | 76% |
| CRE |
25.3%
+4.2pp YoY +2.0pp QoQ |
-14.2pp | 39.5% | 29.0% | 41.4% | 27% |
| 1-4 Family |
8.9%
-3.0pp YoY -1.5pp QoQ |
-23.8pp | 32.6% | 12.3% | 31.3% | 9% |
| Consumer |
2.5%
-0.5pp YoY -0.5pp QoQ |
-1.6pp | 4.1% | 4.5% | 5.0% | 54% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.3%
-0.7pp YoY -0.5pp QoQ |
-6.6pp | 18.8% | 15.3% | 19.7% | 20% |
| Leverage Ratio |
9.3%
-0.6pp YoY -0.2pp QoQ |
-2.9pp | 12.2% | 10.7% | 12.6% | 18% |
| Total Capital Ratio |
13.5%
-0.7pp YoY -0.5pp QoQ |
-6.4pp | 19.9% | 16.3% | 20.8% | 22% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
19
0 YoY -1 (-5.0%) QoQ |
-40 | 58 | 138 | 482 | 9% |
| Assets per Employee ($) |
$11.1M
+20.0% YoY +7.2% QoQ |
+$3.5M | $7.5M | $8.3M | $8.8M | 90% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 7 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.3pp | 0.3% | 0.5% | 0.4% | 3% |
| Nonaccrual |
0.1%
-0.3pp YoY -0.1pp QoQ |
-0.8pp | 0.9% | 0.7% | 1.0% | 19% |
| Allowance Coverage |
12.02x
+277.8% YoY +83.6% QoQ |
-12.13x | 24.15x | 73.79x | 20.23x | 84% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.1% | 0.2% | 41% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.0%
+3.0pp YoY +1.9pp QoQ |
+5.8pp | 12.2% | 16.0% | 11.6% | 82% |
| Cost of Funds (YTD) |
2.1%
0.0pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.7% | 1.7% | 74% |
| Net Income ($, YTD) |
$1.6M
+48.3% YoY — QoQ |
-$959K | $2.6M | $7.0M | $40.4M | 44% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.