BlastPoint's Banking Scorecard
Peoples State Bank
Micro
Specialty: Agricultural
ND
FDIC cert 13196
Designations: ✓ Community bank
Westhope, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
Peoples State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 31.01% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$71.6M
+1.4% YoY
+0.1% QoQ
|
-$145.9M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$42.9M
+11.6% YoY
+2.3% QoQ
|
-$96.3M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$62.4M
-0.2% YoY
+4.6% QoQ
|
-$121.3M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 15% in tier |
| Return on Assets ? |
1.18%
+16.0% YoY
-3.6% QoQ
|
+0.09% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
3.70%
+10.6% YoY
+3.1% QoQ
|
-0.15% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
66.77%
-3.4% YoY
+3.0% QoQ
|
-0.96% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
68.82%
+11.8% YoY
-2.2% QoQ
|
-5.70% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
53.41%
+47.5% YoY
-7.8% QoQ
|
+31.01% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.11%
+33.2% YoY
+26.0% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
53.41%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 53.41% · Tier avg: 22.39%
57
57th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Efficiency Ratio
Current: 66.77% · Tier avg: 67.73%
44
44th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.85%
37
37th pctile
Loan-to-Deposit Ratio
Current: 68.82% · Tier avg: 74.53%
16
16th pctile
Total Loans
Current: $42.9M · Tier avg: $139.2M
15
15th pctile
Total Deposits
Current: $62.4M · Tier avg: $183.7M
13
13th pctile
Total Assets
Current: $71.6M · Tier avg: $217.5M
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
Top Weaknesses
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
13
13th pctile
Total Assets
Current: $71.6M · Tier avg: $217.5M
15
15th pctile
Total Deposits
Current: $62.4M · Tier avg: $183.7M
16
16th pctile
Total Loans
Current: $42.9M · Tier avg: $139.2M
37
37th pctile
Loan-to-Deposit Ratio
Current: 68.82% · Tier avg: 74.53%
44
44th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.85%
48
48th pctile
Efficiency Ratio
Current: 66.77% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.08%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 53.41% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%