This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Velva, ND
Health score
83.7
Total assets
$210.0M
Bank
Mayville, ND
Health score
77.3
Total assets
$173.4M
Answer first
Peoples State Bank of Velva leads on financial health and profitability and lending quality and growth; The Goose River Bank leads on capitalization. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Peoples State Bank of Velva
Higher TFS health score
Capitalization
The Goose River Bank
Higher comparable capital ratio
Profitability
Peoples State Bank of Velva
Higher return on assets
Lending quality
Peoples State Bank of Velva
Lower problem-loan measure
Growth
Peoples State Bank of Velva
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Peoples State Bank of Velva | The Goose River Bank |
|---|---|---|
| TFS health score | 83.7/100Leads | 77.3/100 |
| Total assets | $210.0M | $173.4M |
| Total deposits / shares | $184.4M | $147.3M |
| Tier 1 capital ratio | 9.31% | 11.48%Leads |
| Return on assets | 1.58%Leads | 1.20% |
| Return on equity | 17.98%Leads |
Peoples State Bank of Velva
2 branches
The Goose River Bank
3 branches
Both institutions report branches in 1 state: ND.
Peoples State Bank of Velva
Unavailable
The Goose River Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Peoples State Bank of Velva
0 in TFS registry
The Goose River Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Peoples State Bank of Velva score | Peoples State Bank of Velva ROA | The Goose River Bank score | The Goose River Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.90% | — | 1.39% |
| 2024-Q4 | — | 0.91% | — | 1.38% |
| 2025-Q1 | — | 0.89% | — | 0.85% |
| 2025-Q2 | — | 1.28% | — | 1.12% |
| 2025-Q3 | — | 1.37% | — | 1.18% |
| 2025-Q4 | — | 1.40% | — | 1.31% |
| 2026-Q1 | 77.9/100 |
Keep watching
Get access to your dashboard watchlist and future financial-grade alerts.
Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 10.83% |
| Non-performing loans | 0.10%Leads | 1.71% |
| Net charge-offs | 0.01% | 0.00%Leads |
| Efficiency ratio | 56.80%Leads | 70.47% |
| Loan-to-deposit ratio | 81.75% | 87.66% |
| Asset growth (YoY) | 20.03%Leads | 0.94% |
| Deposit / share growth (YoY) | 22.09%Leads | 2.87% |
| Branches | 2 | 3 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.42% |
| 73.9/100 |
| 1.00% |
| 2026-Q2 | 83.7/100 | 1.58% | 77.3/100 | 1.20% |