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Bank of Hazelton

Hazelton, ND · Cert 17813

State charter, non-member · FDIC · 1 branch

Q2 2026

$75.8MAssets
$34.8MLoans
$68.0MDeposits
$7.5MEquity
Loan mix
87%RE $15.3M8%C&I $1.4M5%Consumer $0.9MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $58.9M13%Noninterest $9.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.30%, down 9 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 1.01% of loans (+78 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.14%, down 71 bps from a year ago.
  • Funding: loans stand at 51.21% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.30%-9 bps YoY

Net Interest Margin (quarter, annualized)

3.80%-22 bps YoY

Efficiency Ratio (quarter, annualized)

49.32%-263 bps YoY

Tier 1 Leverage Ratio

11.14%-71 bps YoY

NIM

5.48%Q2 ’245.55%Q2 ’255.31%Q2 ’26+4%-5%

Non-interest income vs. expense

2.29%Q2 ’242.10%Q2 ’251.87%Q2 ’26-8%-10%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.48%1.98%1.43%1.39%1.41%1.26%1.49%1.30%-9 bps
Return on Equity13.91%18.88%13.57%13.27%12.82%11.54%15.50%13.68%+41 bps
Net Interest Margin4.01%3.94%3.85%4.02%3.89%3.58%3.46%3.80%-22 bps
Efficiency Ratio50.79%45.65%52.19%51.95%51.50%52.24%46.84%49.32%-263 bps
Non-Interest Burden2.03%1.68%1.99%2.08%1.98%1.88%1.59%1.88%-20 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 / Loans0.00%0.00%0.00%0.23%0.37%0.43%0.00%1.01%+78 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.13%1.00%1.16%1.02%1.02%1.14%1.13%1.09%+7 bps
Allowance Coverage of NPLsn/an/an/a4.5x2.8x2.7xn/a1.1x-3.4x
Capital
Tier 1 Leverage Ratio12.10%10.15%11.33%11.85%11.96%10.11%9.82%11.14%-71 bps
Total Risk-Based Capital12.10%10.15%11.33%11.85%11.96%10.11%9.82%11.14%-71 bps
Equity / Assets10.70%10.33%10.79%10.18%11.87%10.07%9.21%9.89%-30 bps
Liquidity & Funding
Loans / Deposits53.02%56.42%49.93%52.10%60.93%49.80%43.94%51.21%-89 bps
Liquid Assets / Assets6.67%9.01%19.70%11.18%13.92%22.71%21.18%27.22%+1,605 bps
CRE / Total Capitaln/an/an/an/a1.91%1.71%19.25%n/an/a