Side-by-side · Q2 2026 data
Peoples State Bank, Fairmount, N. D. vs First Community Credit Union
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. | First Community Credit Union |
|---|---|---|
| TellerScore | 70 | 71 (stronger) |
| Capital cushion | 34 | 73 (stronger) |
| Loan quality | 100 (stronger) | 80 |
| Earnings | 58 (stronger) | 54 |
| Funding & liquidity | 88 (stronger) | 60 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 40th | 62nd |
| Total assets | $38.5M | $1.5B |
| Deposits / shares | $35.6M | $1.1B |
| Capital ratio | 8.38% | 12.34% (stronger) |
| Problem loans | 0.00% (stronger) | 0.61% |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 0.95% (stronger) | 0.85% |
| Loans ÷ deposits | 64.0% (stronger) | 100.2% |
| Uninsured deposits | 22.5% | 9.1% (stronger) |
| Offices | 2 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Community Credit Union has the higher TellerScore (71 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank, Fairmount, N. D. leads on 4 and First Community Credit Union on 3. 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