BlastPoint's Banking Scorecard
Peoples State Bank, Fairmount, N. D.
Micro
Specialty: Agricultural
ND
FDIC cert 17174
Designations: ✓ Community bank
Fairmount, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
Peoples State Bank, Fairmount, N. D. has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below 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 ? |
$36.0M
+1.8% YoY
-2.6% QoQ
|
-$181.5M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$23.0M
+1.8% YoY
+9.7% QoQ
|
-$116.2M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$33.2M
+0.2% YoY
-2.6% QoQ
|
-$150.4M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
0.56%
+3.5% YoY
-31.8% QoQ
|
-0.52% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
4.22%
+6.0% YoY
+2.7% QoQ
|
+0.36% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
82.17%
+1.9% YoY
+12.6% QoQ
|
+14.44% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
17% |
| 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 ? |
69.18%
+1.7% YoY
+12.6% QoQ
|
-5.35% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
32.06%
-2.3% YoY
-6.1% QoQ
|
+9.67% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
84% |
| 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 ? |
12.30%
+1.5% YoY
-9.5% QoQ
|
+3.45% |
8.85%
-3.4% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.11%
+19.7% YoY
+38.0% 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 (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
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%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.06% · Tier avg: 22.39%
69
69th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.85%
63
63th pctile
Loan-to-Deposit Ratio
Current: 69.18% · Tier avg: 74.53%
60
60th pctile
Tier 1 Capital Ratio
Current: 12.30% · Tier avg: 8.85%
21
21th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.08%
17
17th pctile
Efficiency Ratio
Current: 82.17% · Tier avg: 67.73%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
8
8th pctile
Total Loans
Current: $23.0M · Tier avg: $139.2M
5
5th pctile
Total Deposits
Current: $33.2M · Tier avg: $183.7M
4
4th pctile
Total Assets
Current: $36.0M · Tier avg: $217.5M
Top Weaknesses
4
4th pctile
Total Assets
Current: $36.0M · Tier avg: $217.5M
5
5th pctile
Total Deposits
Current: $33.2M · Tier avg: $183.7M
8
8th pctile
Total Loans
Current: $23.0M · Tier avg: $139.2M
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
17
17th pctile
Efficiency Ratio
Current: 82.17% · Tier avg: 67.73%
21
21th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.08%
60
60th pctile
Tier 1 Capital Ratio
Current: 12.30% · Tier avg: 8.85%
63
63th pctile
Loan-to-Deposit Ratio
Current: 69.18% · Tier avg: 74.53%
69
69th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.85%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.06% · 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%