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Peoples State Bank Of Velva
Velva, ND · FDIC Certificate #10250 · Chartered 01/0
Total assets
$209.96M
Total deposits
$184.38M
Total equity
$18.54M
Net loans
$150.74M
Branches (offices)
2
Net income (YTD)
$1.60M
Rank: #2,915 of 4,213 U.S. banks by assets · #33 of 60 in North Dakota. Assets changed 20.0% and deposits 22.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.58% |
| Return on equity | 17.98% |
| Net interest margin (YTD) | 3.82% |
| Equity to assets | 8.83% |
| Tier 1 leverage ratio | 9.31% |
| Uninsured deposits (share of deposits) | 27.2% |
| Noncurrent loans (share of loans) | 0.10% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 81.8% |
| Real estate loans (share of loans) | 53.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $80.64M | 53.5% | |
| Commercial & industrial | $22.84M | 15.2% | |
| Consumer / individual | $3.82M | 2.5% | |
| Construction & development | $6.80M | 4.5% | |
| Agricultural | $45.31M | 30.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $140.40M | $129.21M | $1.10M | $10.85M |
| Jun 2023 | $141.43M | $125.80M | $962.00K | $12.01M |
| Jun 2024 | $153.36M | $134.84M | $628.00K | $13.37M |
| Jun 2025 | $174.91M | $151.02M | $1.08M | $14.71M |
| Jun 2026 | $209.96M | $184.38M | $1.60M | $18.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $184.38M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $184.38M.
Similar-sized banks
The Portage County Bank ($210.08M) · Southern Hills Community Bank ($209.56M)
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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