BlastPoint's Banking Scorecard
Peoples State Bank, Fairmount, N. D.
Designations: ✓ Community bank
Fairmount, 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 536 banks in the under $100M peer group nationwide — 1 of 13 in ND.
- Deposits +3.9% year over year ($35.6M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.95%.
- Efficiency ratio 70.23% vs a 119.40% peer average.
- Loan-to-deposit ratio 64.03% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples State Bank, Fairmount, N. D. demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Net Interest Margin 0.63% above tier average
- + Efficiency Ratio 49.17% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$38.5M
+4.5% YoY
-4.1% QoQ
|
-$24.0M |
$62.4M
-0.0% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
19% |
| Total Loans ? |
$22.8M
+10.4% YoY
+5.8% QoQ
|
-$12.1M |
$34.9M
-0.6% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
33% |
| Total Deposits ? |
$35.6M
+3.9% YoY
-4.5% QoQ
|
-$16.0M |
$51.6M
-0.2% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
26% |
| Return on Assets ? |
0.95%
+12.3% YoY
+4.2% QoQ
|
-0.04% |
1.00%
+3.5% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
49% |
| Net Interest Margin ? |
4.55%
+12.9% YoY
+2.9% QoQ
|
+0.63% |
3.91%
+2.3% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
76% |
| Efficiency Ratio ? |
70.23%
-3.6% YoY
+0.1% QoQ
|
-49.17% |
119.40%
+49.6% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
52% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
64.03%
+6.3% YoY
+10.8% QoQ
|
-10.18% |
74.21%
+12.6% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
32.88%
+2.6% YoY
-3.1% QoQ
|
+9.39% |
23.49%
+0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
82% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
11.38%
-14.2% YoY
+0.5% QoQ
|
-15.75% |
27.13%
+3.0% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.06%
+10.8% YoY
+53.0% QoQ
|
-1.32% |
1.38%
+6.3% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
21% |
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 |
32.9%
+0.8pp YoY -1.0pp QoQ |
+8.2pp | 24.6% | 21.6% | 22.2% | 81% |
| Brokered Deposits | n/a | n/a | 9.8% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.2%
-0.3pp YoY +1.0pp QoQ |
+0.8pp | 13.4% | 12.9% | 12.5% | 66% |
| CRE |
8.1%
+4.8pp YoY +3.0pp QoQ |
-17.1pp | 25.2% | 29.0% | 41.4% | 8% |
| 1-4 Family |
10.7%
-2.7pp YoY -2.0pp QoQ |
-24.3pp | 35.0% | 12.3% | 31.3% | 23% |
| Consumer |
3.6%
-0.1pp YoY +0.5pp QoQ |
-4.0pp | 7.7% | 4.5% | 5.0% | 38% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.4%
-1.9pp YoY +0.1pp QoQ |
-27.3pp | 38.7% | 15.3% | 19.7% | 4% |
| Leverage Ratio |
8.4%
0.0pp YoY +0.1pp QoQ |
-9.3pp | 17.7% | 10.7% | 12.6% | 5% |
| Total Capital Ratio |
12.3%
-2.0pp YoY 0.0pp QoQ |
-27.4pp | 39.7% | 16.3% | 20.8% | 4% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
+1 (+12.5%) YoY 0 QoQ |
-3 | 12 | 138 | 482 | 36% |
| Assets per Employee ($) |
$4.3M
-7.1% YoY -4.1% QoQ |
-$1.9M | $6.2M | $8.3M | $8.8M | 25% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 7 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.5% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 73.79x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.8%
0.0pp YoY +0.6pp QoQ |
+7.4pp | 6.4% | 16.0% | 11.6% | 80% |
| Cost of Funds (YTD) |
1.2%
-0.3pp YoY 0.0pp QoQ |
-0.3pp | 1.4% | 1.7% | 1.7% | 35% |
| Net Income ($, YTD) |
$182,000
+18.2% YoY — QoQ |
-$136K | $317,817 | $7.0M | $40.4M | 34% |
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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.