Peoples State Bank of Velva

BankVelva, North Dakota
www.psbvelva.com

Total Assets

$189.1M

Total Deposits

$166.0M

Branches

2

Established

1915

TFS Health Grade

$
C+

77.1 / 100

Average financial health

How we grade

Peoples State Bank of Velva is a bank headquartered in Velva, North Dakota, established in 1915. With $189.1M in total assets and 2 branch locations, it has a TFS Financial Health Grade of C+ (77.1/100).

Capital & Safety

Tier 1 Capital Ratio
9.58%(8%)
Total Capital Ratio
14.02%(10%)
Non-Performing Loan Ratio
0.21%

Profitability

Return on Assets (ROA)
1.40%(1%)
Return on Equity (ROE)
16.04%(10%)
Net Interest Margin
3.84%
Efficiency Ratio
63.37%(60%)

Lending & Liquidity

Total Loans
$139.4M
Loan-to-Deposit Ratio
82.90%
Net Charge-Off Ratio
-0.00%

Growth

Asset Growth (YoY)
+16.96%
Deposit Growth (YoY)
+16.13%
Net Income
$2.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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