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Peoples State Bank

Westhope, ND
IDRSSD: 238250
Total Assets
$71.46M
Latest filing
Total Deposits
$59.59M
Latest filing
Net Interest Margin
3.82%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date06/12/1906
Community BankYes
Ownership TypeNot Mutual
ZIP58793
State and County Number38009
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number09
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameN/A

Operational Info

Number of Employees14
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date06/30/2024
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
WebsiteN/A
Data Updated11/14/2025
CERT13196
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$71.46M
Total Deposits$59.59M
Total Liabilities$62.69M
Total Equity Capital$8.78M
Net Income$256.00k
Net Loans and Leases$41.95M
Assets Per Employee ($Millions)$5.1M
Bank Premises and Fixed Assets$307.00k
Cash and Balances due from Depository Institutions$11.73M
Deposits Held in Domestic Offices$59.59M

Key Performance Ratios

Return on Assets (ROA)1.44%
Return on Equity (ROE)11.65%
Net Interest Margin3.82%
Efficiency Ratio60.36%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets12.282%
Earning Assets to total Assets96.14%

Income and Expense

Total Interest Income$916.00k
Total Noninterest Income$17.00k
Total Interest Expense$262.00k
Total Noninterest Expense$405.00k
Net Interest Income$654.00k
Pre-tax Net Operating Income$266.00k
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$1.70M
Federal Funds Purchased and Repurchased Agreement$3.00M
All Other Liabilities$92.00k
Total Liabilities and Capital$71.46M

Securities

Securities$14.28M
Available-for-sale debt securities$14.21M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Peoples State Bank?
$71.46M as of the latest filing.
How much are Peoples State Bank's total deposits?
$59.59M in total deposits.
Where is Peoples State Bank located?
Westhope, ND.
What is the Net Interest Margin?
3.82%.
How many domestic offices does it operate?
2.
When was it established?
06/12/1906.
What is the Return on Assets (ROA)?
1.44%.
How much are total loans and leases?
$41.95M (latest filing).
What is the total interest income (latest filing)?
$916.00k.