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Union State Bank of Hazen

Hazen, ND · Cert 13195 · Hazen Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=748 to 752). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

4

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

42

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Union State Bank of Hazen

Hazen, ND · Cert 13195 · Hazen Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$257.4MAssets
$148.5MLoans
$226.7MDeposits
$19.0MEquity
Loan mix
80%RE $95.8M11%C&I $13.1M9%Consumer $10.9MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $192.4M15%Noninterest $34.3MQ2 2025Q2 2026

NIM

4.45%Q2 ’244.70%Q2 ’254.79%Q2 ’26+12%+8%

Non-interest income vs. expense

2.45%Q2 ’242.64%Q2 ’252.49%Q2 ’26+23%-3%

Executive Summary

  • Earnings: ROA of 0.85%, up 21 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.88% of loans (-38 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.96%, down 23 bps from a year ago.
  • Funding: loans stand at 65.51% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.85%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.37%+26 bps YoY

Efficiency Ratio (YTD, annualized)

67.91%-727 bps YoY

Tier 1 Leverage Ratio

8.96%-23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.69%0.70%0.89%0.85%+21 bps
Return on Equity9.35%9.80%9.75%11.62%11.28%+193 bps
Net Interest Margin3.12%3.07%3.12%3.43%3.37%+26 bps
Efficiency Ratio75.18%72.77%72.59%69.05%67.91%-727 bps
Non-Interest Burden2.27%2.13%2.17%2.29%2.20%-7 bps
Growth
Asset Growth (YoY)5.92%7.27%9.21%12.36%9.07%+315 bps
Loan Growth (YoY)12.58%7.92%11.26%15.76%11.06%-152 bps
Deposit Growth (YoY)5.74%6.25%7.84%11.82%3.53%-221 bps
Asset Quality
Nonperforming Loans / Loans1.25%1.08%1.02%0.82%0.88%-38 bps
Net Charge-Offs / Loans0.06%0.21%0.14%0.01%0.01%-5 bps
Allowance / Loans1.75%1.67%1.67%1.62%1.67%-8 bps
Allowance Coverage of NPLs1.4x1.5x1.6x2.0x1.9x+0.5x
Capital
Tier 1 Leverage Ratio9.19%9.16%9.17%9.08%8.96%-23 bps
Total Risk-Based Capital9.19%9.16%9.17%9.08%8.96%-23 bps
Equity / Assets6.91%7.67%7.60%7.70%7.39%+47 bps
Liquidity & Funding
Loans / Deposits61.07%61.41%60.43%61.97%65.51%+444 bps
Liquid Assets / Assets1.09%0.70%0.83%0.47%0.39%-70 bps
CRE / Total Capitaln/a120.10%141.95%155.51%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Union State Bank of Hazen

Hazen, ND · Cert 13195 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Hazen Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$257.4MAssets
$148.5MLoans
$226.7MDeposits
$19.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 58% of banks under $1B in assets operating in a single state (rank 316 of 752).
  • Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets operating in a single state (rank 747 of 752).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.84%

Rank 505 of 752

Net Interest Margin

3.37%

Rank 503 of 752

Efficiency Ratio

68.00%

Rank 440 of 752

Equity / Assets

7.39%

Rank 687 of 752

Non-interest income vs. expense

$0.8M$6.5MINCOMEEXPENSE
Unfavorable gap of $5.7M · efficiency ratio beats 42% of banks under $1B in assets operating in a single state
Bank 68.00%Peer median 64.5%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.84%0.72%1.07%1.45%Beats 33%505 / 752
Return on Equity11.36%6.78%10.58%13.65%Beats 58%316 / 752
Net Interest Margin3.37%3.18%3.69%4.17%Beats 33%503 / 752
Efficiency Ratio68.00%55.75%64.49%75.47%Beats 42%440 / 752
Asset Quality
Nonperforming Loans / Loans0.88%0.09%0.42%1.03%Beats 31%520 / 748
Net Charge-Offs / Loans0.02%0.00%0.01%0.05%Beats 44%422 / 748
Capital
Tier 1 Capital Ratio8.96%11.55%13.75%17.60%Beats 1%747 / 752
Total Risk-Based Capital Ratio8.96%11.70%14.33%18.47%Beats 1%747 / 752
Equity / Assets7.39%8.93%10.56%13.13%Beats 9%687 / 752
Liquidity & Funding
Loans / Deposits65.51%62.23%78.64%91.26%29th pctl532 / 752
Loans / Assets57.69%54.61%67.41%76.47%31st pctl522 / 752
Brokered Deposits / Depositsn/aNot reported for this institution