Peoples State Bank is a state-chartered bank headquartered in Westhope, North Dakota, in business for about 120 years. At the end of Q2 2026 it reported $69.9M in total assets and $60.7M in deposits, with 2 offices.
Based on its Q2 2026 filing, Peoples State Bank scores 87/100, which we describe as very strong. That is higher than 84% of 546 banks with under $100 million in assets. Among 60 banks headquartered in North Dakota, it ranks 6th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (75/100; 1.39%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (87 → 87).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 87 |
| Q4 2024 | 85 |
| Q1 2025 | 84 |
| Q2 2025 | 87 |
| Q3 2025 | 86 |
| Q4 2025 | 84 |
| Q1 2026 | 86 |
| Q2 2026 | 87 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.64% |
| Q3 2024 | 13.49% |
| Q4 2024 | 12.88% |
| Q1 2025 | 13.21% |
| Q2 2025 | 13.47% |
| Q3 2025 | 13.52% |
| Q4 2025 | 13.34% |
| Q1 2026 | 13.41% |
| Q2 2026 | 13.52% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.21% |
| Q3 2024 | 1.15% |
| Q4 2024 | 1.02% |
| Q1 2025 | 0.85% |
| Q2 2025 | 1.12% |
| Q3 2025 | 1.22% |
| Q4 2025 | 1.18% |
| Q1 2026 | 1.16% |
| Q2 2026 | 1.39% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $69.9M | 13.52% | 0.00% | 1.39% | 64.5% |
| Q1 2026 | 86 | $70.6M | 13.41% | 0.00% | 1.16% | 57.8% |
| Q4 2025 | 84 | $71.6M | 13.34% | 0.00% | 1.18% | 68.8% |
| Q3 2025 | 86 | $71.5M | 13.52% | 0.00% | 1.22% | 70.4% |
| Q2 2025 | 87 | $70.7M | 13.47% | 0.00% | 1.12% | 59.6% |
| Q1 2025 | 84 | $70.2M | 13.21% | 0.00% | 0.85% | 51.1% |
| Q4 2024 | 85 | $70.6M | 12.88% | 0.00% | 1.02% | 61.6% |
| Q3 2024 | 87 | $69.7M | 13.49% | 0.00% | 1.15% | 61.6% |
| Q2 2024 | 84 | $71.9M | 12.64% | 0.00% | 1.21% | 53.0% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens State Bank of LankinBank Lankin, ND | 57 out of 100, Moderate | $72.1M | 10.1% | 1.58% | vs |
| First Security Bank - WestBank Beulah, ND | 55 out of 100, Moderate | $75.2M | 12.9% | 4.65% | vs |
| Heartland State BankBank Edgeley, ND | 46 out of 100, Below average | $75.6M | 9.8% | 3.36% | vs |
| State Bank of LakotaBank Lakota, ND | 71 out of 100, Strong | $64.2M | 9.6% | 0.49% | vs |
| Bank of HazeltonBank Hazelton, ND | 72 out of 100, Strong | $75.8M | 11.1% | 1.01% | vs |
| Aspire BankBank Fargo, ND | 72 out of 100, Strong | $60.9M | 11.4% | 0.00% | vs |
Deposit insurance
Is my money safe at Peoples State Bank?
Yes. Peoples State Bank is an FDIC-insured institution (FDIC certificate #13196). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.2% of deposits ($19.0M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.52%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Peoples State Bank lists 2 offices in 2 cities. Most locations:
- Newburg, ND (1)
- Westhope, ND (1)
Identity & history
Profile
- Legal name
- Peoples State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 13196
- RSSD ID
- 238250
- Primary regulator
- FDIC
- Holding company
- Peoples State Holding Co
- Established
- June 12, 1906
- Headquarters
- 110 Main St, Westhope, ND 58793
- Employees
- 14
Quick answers
Peoples State Bank: common questions
Is Peoples State Bank FDIC insured?
Yes. Peoples State Bank is an FDIC-insured institution (FDIC certificate #13196). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples State Bank's TellerScore?
87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Peoples State Bank ever failed?
There is no failure record for FDIC certificate #13196 in the FDIC failed bank list.
How many branches does Peoples State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Westhope
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens State Bank at MohallBank Mohall, ND | 75 out of 100, Strong | $80.2M | 11.8% | 0.43% | vs |