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Peoples State Bank, Fairmount, N. D.
Fairmount, ND · FDIC Certificate #17174 · Chartered 01/0
Total assets
$38.49M
Total deposits
$35.63M
Total equity
$2.66M
Net loans
$22.82M
Branches (offices)
2
Net income (YTD)
$182.00K
Rank: #4,106 of 4,213 U.S. banks by assets · #60 of 60 in North Dakota. Assets changed 4.5% and deposits 3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.95% |
| Return on equity | 13.78% |
| Net interest margin (YTD) | 4.55% |
| Equity to assets | 6.91% |
| Tier 1 leverage ratio | 8.38% |
| Uninsured deposits (share of deposits) | 22.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 64.0% |
| Real estate loans (share of loans) | 33.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $7.70M | 33.8% | |
| Commercial & industrial | $3.25M | 14.2% | |
| Consumer / individual | $828.00K | 3.6% | |
| Construction & development | $454.00K | 2.0% | |
| Agricultural | $5.48M | 24.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $33.85M | $32.15M | $105.00K | $1.68M |
| Jun 2023 | $31.74M | $29.84M | $157.00K | $1.82M |
| Jun 2024 | $34.68M | $32.52M | $152.00K | $2.05M |
| Jun 2025 | $36.83M | $34.30M | $154.00K | $2.37M |
| Jun 2026 | $38.49M | $35.63M | $182.00K | $2.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $35.63M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $35.63M.
Similar-sized banks
Houston Bank & Trust ($38.55M) · 2Unifi Bank ($38.47M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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