Side-by-side · Q2 2026 data
Peoples State Bank, Fairmount, N. D. vs American Federal Bank
Bank
Peoples State Bank, Fairmount, N. D.
Fairmount, North Dakota · Under $100 million in assets
Metric by metric
| Measure | Peoples State Bank, Fairmount, N. D. | American Federal Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 66 |
| Capital cushion | 34 | 43 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 58 | 62 (stronger) |
| Funding & liquidity | 88 (stronger) | 40 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 40th | 31st |
| Total assets | $38.5M | $795.8M |
| Deposits / shares | $35.6M | $615.6M |
| Capital ratio | 8.38% | 9.32% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 0.95% | 1.06% (stronger) |
| Loans ÷ deposits | 64.0% (stronger) | 110.2% |
| Uninsured deposits | 22.5% (stronger) | 23.9% |
| Offices | 2 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
Peoples State Bank, Fairmount, N. D. has the higher TellerScore (70 vs 66). On the 6 directional measures above (where higher or lower is clearly better), Peoples State Bank, Fairmount, N. D. leads on 4 and American Federal Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Wahpeton, ND