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
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% | 1.07% | 1.45% | Beats 33% | 505 / 752 | | |
| Return on Equity | 11.36% | 6.78% | 10.58% | 13.65% | Beats 58% | 316 / 752 | | |
| Net Interest Margin | 3.37% | 3.18% | 3.69% | 4.17% | Beats 33% | 503 / 752 | | |
| Efficiency Ratio | 68.00% | 55.75% | 64.49% | 75.47% | Beats 42% | 440 / 752 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.88% | 0.09% | 0.42% | 1.03% | Beats 31% | 520 / 748 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 44% | 422 / 748 | | |
| Capital |
| Tier 1 Capital Ratio | 8.96% | 11.55% | 13.75% | 17.60% | Beats 1% | 747 / 752 | | |
| Total Risk-Based Capital Ratio | 8.96% | 11.70% | 14.33% | 18.47% | Beats 1% | 747 / 752 | | |
| Equity / Assets | 7.39% | 8.93% | 10.56% | 13.13% | Beats 9% | 687 / 752 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.51% | 62.23% | 78.64% | 91.26% | 29th pctl | 532 / 752 | | |
| Loans / Assets | 57.69% | 54.61% | 67.41% | 76.47% | 31st pctl | 522 / 752 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |