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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 1.42%, up 2 bps year over year; NIM at 3.92%.
  • 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 (YTD, annualized)

1.42%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.92%-9 bps YoY

Efficiency Ratio (YTD, annualized)

48.03%-404 bps YoY

Tier 1 Leverage Ratio

11.14%-71 bps YoY

NIM

5.53%Q2 ’245.56%Q2 ’255.50%Q2 ’26+2%-2%

Non-interest income vs. expense

2.16%Q2 ’242.10%Q2 ’251.89%Q2 ’26-3%-10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.35%1.51%1.43%1.40%1.42%1.36%1.49%1.42%+2 bps
Return on Equity13.46%14.97%13.57%13.42%13.21%12.80%15.50%14.67%+126 bps
Net Interest Margin3.96%3.34%3.85%4.01%3.97%3.32%3.46%3.92%-9 bps
Efficiency Ratio53.42%51.05%52.19%52.07%51.88%51.98%46.84%48.03%-404 bps
Non-Interest Burden2.11%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 / 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