BlastPoint's Banking Scorecard
Peoples State Bank
Designations: ✓ Community bank
Westhope, ND
2 branches across ND
Peoples State Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.36% below tier average
- + Non-Interest-Bearing Deposit Share 32.78% above tier average
- + Nonperforming Asset Ratio 0.77% below tier average
- + ROA 0.30% above tier average
- + Efficiency Ratio 20.51% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.13% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$70.6M
+0.5% YoY
-1.4% QoQ
|
+$8.3M |
$62.3M
-0.5% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.0% YoY
|
57% |
| Total Loans ? |
$35.7M
+13.1% YoY
-16.8% QoQ
|
+$1.4M |
$34.3M
-1.5% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.7% YoY
|
56% |
| Total Deposits ? |
$61.7M
-0.0% YoY
-1.0% QoQ
|
+$9.9M |
$51.8M
-0.6% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.0% YoY
|
61% |
| Return on Assets ? |
1.16%
+36.9% YoY
-1.7% QoQ
|
+0.30% |
0.86%
-3.6% YoY
|
1.38%
+15.2% YoY
|
1.24%
+13.1% YoY
|
60% |
| Net Interest Margin ? |
3.74%
+10.9% YoY
+1.2% QoQ
|
-0.13% |
3.87%
+2.7% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
47% |
| Efficiency Ratio ? |
67.12%
-8.7% YoY
+0.5% QoQ
|
-20.51% |
87.63%
+2.3% YoY
|
60.25%
-5.8% YoY
|
66.84%
-3.8% YoY
|
59% |
| Delinquency Rate ? | 0.00% | -1.36% |
1.36%
+33.7% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
57.83%
+13.1% YoY
-16.0% QoQ
|
-6.28% |
64.11%
-0.9% YoY
|
69.27%
+0.4% YoY
|
76.69%
+0.9% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
56.57%
+69.2% YoY
+5.9% QoQ
|
+32.78% |
23.79%
+0.5% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.1% YoY
|
Top 2.4% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.77% |
0.77%
+28.7% YoY
|
0.56%
+12.7% YoY
|
0.66%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.41%
+1.5% YoY
+0.5% QoQ
|
-13.36% |
26.77%
+2.0% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.02%
+12.7% YoY
-77.6% QoQ
|
-0.65% |
0.67%
+1.6% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.0% YoY
|
18% |
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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.
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Metric Rankings
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