Union State Bank of Hazen
Hazen, ND · Cert 13195 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 312 of 746).
- Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets operating in a single state (rank 741 of 746).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.84%
Rank 495 of 746
Net Interest Margin
3.37%
Rank 497 of 746
Efficiency Ratio
68.00%
Rank 433 of 746
Equity / Assets
7.39%
Rank 682 of 746
Non-interest income vs. expense
Unfavorable gap of $5.7M · efficiency ratio beats 42% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.72% | 1.06% | 1.45% | Beats 34% | 495 / 746 | | |
| Return on Equity | 11.36% | 6.74% | 10.51% | 13.63% | Beats 58% | 312 / 746 | | |
| Net Interest Margin | 3.37% | 3.17% | 3.68% | 4.16% | Beats 33% | 497 / 746 | | |
| Efficiency Ratio | 68.00% | 55.74% | 64.58% | 75.47% | Beats 42% | 433 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.88% | 0.09% | 0.42% | 1.07% | Beats 31% | 514 / 743 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 43% | 427 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 8.96% | 11.55% | 13.75% | 17.60% | Beats 1% | 741 / 746 | | |
| Total Risk-Based Capital Ratio | 8.96% | 11.71% | 14.33% | 18.43% | Beats 1% | 741 / 746 | | |
| Equity / Assets | 7.39% | 8.90% | 10.51% | 13.06% | Beats 9% | 682 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.51% | 61.31% | 78.27% | 90.78% | 30th pctl | 519 / 746 | | |
| Loans / Assets | 57.69% | 53.60% | 66.97% | 76.08% | 32nd pctl | 509 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |