Hazen, ND · Cert 13195 · Hazen Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.69% | 0.70% | 0.89% | 0.85% | +21 bps | |
| Return on Equity | 9.35% | 9.80% | 9.75% | 11.62% | 11.28% | +193 bps | |
| Net Interest Margin | 3.12% | 3.07% | 3.12% | 3.43% | 3.37% | +26 bps | |
| Efficiency Ratio | 75.18% | 72.77% | 72.59% | 69.05% | 67.91% | -727 bps | |
| Non-Interest Burden | 2.27% | 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 / Loans | 1.25% | 1.08% | 1.02% | 0.82% | 0.88% | -38 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.21% | 0.14% | 0.01% | 0.01% | -5 bps | |
| Allowance / Loans | 1.75% | 1.67% | 1.67% | 1.62% | 1.67% | -8 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.5x | 1.6x | 2.0x | 1.9x | +0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.19% | 9.16% | 9.17% | 9.08% | 8.96% | -23 bps | |
| Total Risk-Based Capital | 9.19% | 9.16% | 9.17% | 9.08% | 8.96% | -23 bps | |
| Equity / Assets | 6.91% | 7.67% | 7.60% | 7.70% | 7.39% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.07% | 61.41% | 60.43% | 61.97% | 65.51% | +444 bps | |
| Liquid Assets / Assets | 1.09% | 0.70% | 0.83% | 0.47% | 0.39% | -70 bps | |
| CRE / Total Capital | n/a | 120.10% | 141.95% | 155.51% | n/a | n/a | |