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
Munich, ND
Health score
75.0
Total assets
$201.0M
Bank
Velva, ND
Health score
83.7
Total assets
$210.0M
Answer first
Horizon Financial Bank leads on capitalization; Peoples State Bank of Velva leads on financial health and profitability and lending quality and growth. 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
Horizon Financial 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 | Horizon Financial Bank | Peoples State Bank of Velva |
|---|---|---|
| TFS health score | 75.0/100 | 83.7/100Leads |
| Total assets | $201.0M | $210.0M |
| Total deposits / shares | $178.5M | $184.4M |
| Tier 1 capital ratio | 10.78%Leads | 9.31% |
| Return on assets | 0.97% | 1.58%Leads |
| Return on equity | 9.19% | 17.98% |
Horizon Financial Bank
5 branches
Peoples State Bank of Velva
2 branches
Both institutions report branches in 1 state: ND.
Horizon Financial Bank
Unavailable
Peoples State Bank of Velva
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.
Horizon Financial Bank
0 in TFS registry
Peoples State Bank of Velva
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 | Horizon Financial Bank score | Horizon Financial Bank ROA | Peoples State Bank of Velva score | Peoples State Bank of Velva ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.83% | — | 0.90% |
| 2024-Q4 | — | 0.79% | — | 0.91% |
| 2025-Q1 | — | 0.86% | — | 0.89% |
| 2025-Q2 | — | 0.95% | — | 1.28% |
| 2025-Q3 | — | 0.98% | — | 1.37% |
| 2025-Q4 | — | 1.05% | — | 1.40% |
| 2026-Q1 | 71.8/100 |
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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.
| Non-performing loans | 1.34% | 0.10%Leads |
| Net charge-offs | 0.00%Leads | 0.01% |
| Efficiency ratio | 64.99% | 56.80%Leads |
| Loan-to-deposit ratio | 83.48% | 81.75% |
| Asset growth (YoY) | 1.72% | 20.03%Leads |
| Deposit / share growth (YoY) | 1.78% | 22.09%Leads |
| Branches | 5 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 0.92% |
| 77.9/100 |
| 1.42% |
| 2026-Q2 | 75.0/100 | 0.97% | 83.7/100 | 1.58% |