Bank · FDIC insured
Peoples State Bank
A $210M bank headquartered in Velva, ND, with 2 branches in North Dakota. Best rates: CDs 3.63% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs783.63%for 3–8 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Peoples State Bank
Serving the communities of Velva and Minot, North Dakota, Peoples State Bank has been providing financial services since 1915 with two branch locations.
- Headquarters
- 101 Main St N, Velva, ND 58790
- FDIC certificate
- 10250 ↗
Branches
2 branches in North Dakota
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North Dakota
2 branches
- Peoples State Bank of VelvaMain office101 Main St N, Velva, ND 58790Directions
- Minot37th Street, Minot, ND 58701Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.31% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.10% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.58% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $83 | $81 | — |
- CapitalLeverage ratio9.31%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.10%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.58%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$83Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Peoples State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.