BlastPoint's Banking Scorecard
Peoples State Bank of Velva
Velva, ND
2 branches across ND
Peoples State Bank of Velva has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.15% above tier average
- + Efficiency Ratio 6.06% below tier average
- + Delinquency Rate 0.67% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 74.8% in tier
- - Non-Interest Income / Assets 0.25% below tier average
- - Net Interest Margin 0.20% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$206.1M
+23.6% YoY
+9.0% QoQ
|
-$180.0M |
$386.1M
+0.5% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$133.5M
+19.4% YoY
-3.0% QoQ
|
-$122.2M |
$255.7M
+1.1% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
30% |
| Total Deposits ? |
$187.5M
+26.5% YoY
+13.0% QoQ
|
-$140.4M |
$328.0M
+0.1% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
32% |
| Return on Assets ? |
1.42%
+59.6% YoY
+1.0% QoQ
|
+0.15% |
1.27%
+12.9% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
63% |
| Net Interest Margin ? |
3.73%
+4.1% YoY
-2.9% QoQ
|
-0.20% |
3.93%
+6.0% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
42% |
| Efficiency Ratio ? |
59.23%
-20.5% YoY
-6.5% QoQ
|
-6.06% |
65.29%
-4.5% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
62% |
| Delinquency Rate ? |
0.21%
-66.8% YoY
+0.6% QoQ
|
-0.67% |
0.89%
+18.8% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
71.19%
-5.7% YoY
-14.1% QoQ
|
-5.45% |
76.64%
+0.8% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
18.75%
-13.2% YoY
-12.2% QoQ
|
-3.27% |
22.02%
-1.0% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.14%
-67.9% YoY
-10.4% QoQ
|
-0.50% |
0.64%
+19.7% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
66% |
| Tier 1 Capital Ratio ? |
12.74%
-8.0% YoY
-0.3% QoQ
|
-3.09% |
15.83%
+1.5% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.03%
-4.3% YoY
-85.1% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 6.0% in tier |
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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 (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.