🏦Bank Scorer

PEOPLES STATE BANK

WESTHOPE, ND · Supervised by FDIC

Est. 1906FDIC #13,196RSSD: FDIC-13196
Part ofPEOPLES STATE HOLDING CO→ View all charters
Satisfactory Same

Current rating · Exam: July 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.16%

Institution Profile

FDIC BankFind

Address

110 Main St, WESTHOPE, ND

County

Bottineau County

Established

June 12, 1906

Total Assets

$71M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2026(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$71M

Total Deposits

$62M

Net Loans

$36M

Net Income

$206K

ROA

1.16%

ROE

9.23%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$62M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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