Peoples State Bank, Fairmount, North Dakota

Fairmount, ND

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

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Total
Assets

Capital

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Weiss Ratings	Peoples State Bank, Fairmount, North Dakota Fairmount, ND	Click to Compare	Click to Compare	Click to Compare
Rating	D
Asset Quality Index	8.70
Capitalization Index	6.40
Liquidity Index	3.60
Profitability Index	4.30
Stability Index	2.30

Company Info	Peoples State Bank, Fairmount, North Dakota Fairmount, ND	Click to Compare	Click to Compare	Click to Compare
FDIC Number	17174
Phone Number	(701) 474-5515
Website	www.peoples-state.com

Asset Quality	Peoples State Bank, Fairmount, North Dakota Fairmount, ND	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	1.97%
5-Year Asset Growth	4.69%
5-Year Charge-Offs to Average Loans	0.05%
Charge-Offs to Average Loans	-0.03%
Non-Performing Assets to Assets	0.00%
Non-Performing Loans to Capital	0.00%
Non-Performing Loans to Loans	0.00%

Balance Sheet	Peoples State Bank, Fairmount, North Dakota Fairmount, ND	Click to Compare	Click to Compare	Click to Compare
Total Assets	36.90M
Total Deposits	34.10M

Capital and Reserves	Peoples State Bank, Fairmount, North Dakota Fairmount, ND	Click to Compare	Click to Compare	Click to Compare
Capital	2.65M
Leverage Ratio	8.36
Loan Loss Reserves to Loans	1.13%
Risk-Based Capital Ratio	14.64

Liquidity	Peoples State Bank, Fairmount, North Dakota Fairmount, ND	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	7.07%
Liquidity Ratio	29.62%

Profitability	Peoples State Bank, Fairmount, North Dakota Fairmount, ND	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.49%
Net Income	225.00K
Net Interest Spread	3.95%
Operating Profit to Average Assets	1.06%
Overhead Efficiency Ratio	73.00%
Return on Assets	0.81%
Return on Equity	12.86%