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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.40% | 1.42% | 1.36% | 1.49% | 1.42% | +2 bps | |
| Return on Equity | 13.42% | 13.21% | 12.80% | 15.50% | 14.67% | +126 bps | |
| Net Interest Margin | 4.01% | 3.97% | 3.32% | 3.46% | 3.92% | -9 bps | |
| Efficiency Ratio | 52.07% | 51.88% | 51.98% | 46.84% | 48.03% | -404 bps | |
| Non-Interest Burden | 2.08% | 2.04% | 1.72% | 1.59% | 1.87% | -21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 22.56% | -1.88% | 14.57% | 31.60% | 8.84% | -1,372 bps | |
| Loan Growth (YoY) | 10.70% | 10.97% | 1.47% | 17.91% | 7.38% | -332 bps | |
| Deposit Growth (YoY) | 23.28% | -3.44% | 14.94% | 33.98% | 9.25% | -1,403 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 bps | |
| Allowance / Loans | 1.02% | 1.02% | 1.14% | 1.13% | 1.09% | +7 bps | |
| Allowance Coverage of NPLs | 4.5x | 2.8x | 2.7x | n/a | 1.1x | -3.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.85% | 11.96% | 10.11% | 9.82% | 11.14% | -71 bps | |
| Total Risk-Based Capital | 11.85% | 11.96% | 10.11% | 9.82% | 11.14% | -71 bps | |
| Equity / Assets | 10.18% | 11.87% | 10.07% | 9.21% | 9.89% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.10% | 60.93% | 49.80% | 43.94% | 51.21% | -89 bps | |
| Liquid Assets / Assets | 11.18% | 13.92% | 22.71% | 21.18% | 27.22% | +1,605 bps | |
| CRE / Total Capital | n/a | 1.91% | 1.71% | 19.25% | n/a | n/a | |