Hazelton, ND · Cert 17813
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating in a single state (n=751 to 755). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
26
Asset Quality
63
Profitability
73
Liquidity
13
Efficiency
89
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.
Hazelton, ND · Cert 17813
State charter, non-member · FDIC · 1 branch
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | 1.51% | 1.43% | 1.40% | 1.42% | 1.36% | 1.49% | 1.42% | +2 bps | |
| Return on Equity | 13.46% | 14.97% | 13.57% | 13.42% | 13.21% | 12.80% | 15.50% | 14.67% | +126 bps | |
| Net Interest Margin | 3.96% | 3.34% | 3.85% | 4.01% | 3.97% | 3.32% | 3.46% | 3.92% | -9 bps | |
| Efficiency Ratio | 53.42% | 51.05% | 52.19% | 52.07% | 51.88% | 51.98% | 46.84% | 48.03% | -404 bps | |
| Non-Interest Burden | 2.11% | 1.67% | 1.99% | 2.08% | 2.04% | 1.72% | 1.59% | 1.87% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.51% | 5.87% | 1.95% | 22.56% | -1.88% | 14.57% | 31.60% | 8.84% | -1,372 bps | |
| Loan Growth (YoY) | 19.13% | 19.18% | 10.37% | 10.70% | 10.97% | 1.47% | 17.91% | 7.38% | -332 bps | |
| Deposit Growth (YoY) | 16.30% | 4.71% | 0.55% | 23.28% | -3.44% | 14.94% | 33.98% | 9.25% | -1,403 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.23% | 0.37% | 0.43% | 0.00% | 1.01% | +78 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.13% | 1.00% | 1.16% | 1.02% | 1.02% | 1.14% | 1.13% | 1.09% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 4.5x | 2.8x | 2.7x | n/a | 1.1x | -3.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.10% | 10.15% | 11.33% | 11.85% | 11.96% | 10.11% | 9.82% | 11.14% | -71 bps | |
| Total Risk-Based Capital | 12.10% | 10.15% | 11.33% | 11.85% | 11.96% | 10.11% | 9.82% | 11.14% | -71 bps | |
| Equity / Assets | 10.70% | 10.33% | 10.79% | 10.18% | 11.87% | 10.07% | 9.21% | 9.89% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.02% | 56.42% | 49.93% | 52.10% | 60.93% | 49.80% | 43.94% | 51.21% | -89 bps | |
| Liquid Assets / Assets | 6.67% | 9.01% | 19.70% | 11.18% | 13.92% | 22.71% | 21.18% | 27.22% | +1,605 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 1.91% | 1.71% | 19.25% | n/a | n/a | |
Hazelton, ND · Cert 17813 · Peer group: banks under $1B in assets operating in a single state (n=751-755)
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.47%
Rank 178 of 755
Net Interest Margin
3.92%
Rank 284 of 755
Efficiency Ratio
48.03%
Rank 86 of 755
Equity / Assets
9.89%
Rank 458 of 755
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.47% | 0.72% | 1.06% | 1.45% | Beats 76% | 178 / 755 | ||
| Return on Equity | 14.90% | 6.66% | 10.44% | 13.61% | Beats 82% | 136 / 755 | ||
| Net Interest Margin | 3.92% | 3.15% | 3.68% | 4.17% | Beats 62% | 284 / 755 | ||
| Efficiency Ratio | 48.03% | 55.75% | 64.78% | 75.61% | Beats 89% | 86 / 755 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.01% | 0.09% | 0.42% | 1.05% | Beats 26% | 554 / 751 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 751 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.14% | 11.56% | 13.81% | 17.74% | Beats 21% | 599 / 755 | ||
| Total Risk-Based Capital Ratio | 11.14% | 11.72% | 14.46% | 18.53% | Beats 19% | 611 / 755 | ||
| Equity / Assets | 9.89% | 8.93% | 10.56% | 13.13% | Beats 39% | 458 / 755 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.21% | 62.43% | 78.62% | 91.00% | 13th pctl | 660 / 755 | ||
| Loans / Assets | 45.93% | 54.70% | 67.27% | 76.55% | 14th pctl | 647 / 755 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||