Headquartered in Fairmount, North Dakota, Peoples State Bank, Fairmount, N. D. is a state-chartered bank with $38.5M in total assets and $35.6M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1953.
Based on its Q2 2026 filing, Peoples State Bank, Fairmount, N. D. scores 70/100, which we describe as strong. That is higher than only 40% of 546 banks with under $100 million in assets. Among 60 banks headquartered in North Dakota, it ranks 34th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (34/100; 8.38%).
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 (70 → 70).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 68 |
| Q4 2024 | 66 |
| Q1 2025 | 65 |
| Q2 2025 | 70 |
| Q3 2025 | 70 |
| Q4 2025 | 67 |
| Q1 2026 | 70 |
| Q2 2026 | 70 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.91% |
| Q3 2024 | 8.51% |
| Q4 2024 | 7.99% |
| Q1 2025 | 8.01% |
| Q2 2025 | 8.37% |
| Q3 2025 | 8.36% |
| Q4 2025 | 8.39% |
| Q1 2026 | 8.32% |
| Q2 2026 | 8.38% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.28% |
| 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 | 0.84% |
| Q3 2024 | 0.72% |
| Q4 2024 | 0.54% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.85% |
| Q3 2025 | 0.82% |
| Q4 2025 | 0.56% |
| Q1 2026 | 0.91% |
| Q2 2026 | 0.95% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $38.5M | 8.38% | 0.00% | 0.95% | 64.0% |
| Q1 2026 | 70 | $40.1M | 8.32% | 0.00% | 0.91% | 57.8% |
| Q4 2025 | 67 | $36.0M | 8.39% | 0.00% | 0.56% | 69.2% |
| Q3 2025 | 70 | $36.9M | 8.36% | 0.00% | 0.82% | 61.4% |
| Q2 2025 | 70 | $36.8M | 8.37% | 0.00% | 0.85% | 60.2% |
| Q1 2025 | 65 | $36.7M | 8.01% | 0.28% | 0.66% | 56.7% |
| Q4 2024 | 66 | $35.3M | 7.99% | 0.00% | 0.54% | 68.0% |
| Q3 2024 | 68 | $36.2M | 8.51% | 0.00% | 0.72% | 66.9% |
| Q2 2024 | 67 | $34.7M | 7.91% | 0.00% | 0.84% | 70.4% |
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 |
|---|---|---|---|---|---|
| Kindred State BankBank Kindred, ND | 73 out of 100, Strong | $43.3M | 8.4% | 0.13% | vs |
| Grant County State BankBank Carson, ND | 91 out of 100, Very strong | $46.7M | 13.9% | 0.00% | vs |
| Rolette State BankBank Rolette, ND | 78 out of 100, Strong | $51.5M | 9.9% | 0.04% | vs |
| Aspire BankBank Fargo, ND | 72 out of 100, Strong | $60.9M | 11.4% | 0.00% | vs |
| State Bank of LakotaBank Lakota, ND | 71 out of 100, Strong | $64.2M | 9.6% | 0.49% | vs |
| Peoples State BankBank Westhope, ND | 87 out of 100, Very strong | $69.9M | 13.5% | 0.00% | vs |
Deposit insurance
Is my money safe at Peoples State Bank, Fairmount, N. D.?
Yes. Peoples State Bank, Fairmount, N. D. is an FDIC-insured institution (FDIC certificate #17174). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.5% of deposits ($8.0M) 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 8.38%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.25% (benchmark: 10%).
2 locations
Branches
Peoples State Bank, Fairmount, N. D. lists 2 offices in 2 cities. Most locations:
- Fairmount, ND (1)
- Wahpeton, ND (1)
Identity & history
Profile
- Legal name
- Peoples State Bank, Fairmount, N. D.
- Type
- State-chartered bank
- FDIC certificate #
- 17174
- RSSD ID
- 838155
- Primary regulator
- FDIC
- Holding company
- Dakotah Bankshares Inc
- Established
- January 2, 1953
- Headquarters
- 201 Main Ave, Fairmount, ND 58030
- Website
- www.peoples-state.com
- Employees
- 9
Quick answers
Peoples State Bank, Fairmount, N. D.: common questions
Is Peoples State Bank, Fairmount, N. D. FDIC insured?
Yes. Peoples State Bank, Fairmount, N. D. is an FDIC-insured institution (FDIC certificate #17174). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples State Bank, Fairmount, N. D.'s TellerScore?
70 out of 100 (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, Fairmount, N. D. ever failed?
There is no failure record for FDIC certificate #17174 in the FDIC failed bank list.
How many branches does Peoples State Bank, Fairmount, N. D. have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fairmount
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lincoln State BankBank Hankinson, ND | 76 out of 100, Strong | $125.1M | 10.0% | 0.15% | vs |
| First Community Credit UnionCredit union Jamestown, ND | 71 out of 100, Strong | $1.5B | 12.3% | 0.61% | vs |
| American Federal BankBank Fargo, ND | 66 out of 100, Moderate | $795.8M | 9.3% | 0.00% | vs |
| FM BankBank Waseca, MN | 66 out of 100, Moderate | $738.4M | 7.7% | 0.00% | vs |
| Gate City BankBank Fargo, ND | 65 out of 100, Moderate | $4.0B | 9.8% | 0.69% | vs |
| First Interstate BankBank Billings, MT | 62 out of 100, Moderate | $25.8B | 9.4% | 1.12% | vs |