| Metric | Bank of Hazelton | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +3.0% | +5.9 pts |
| Deposit growth (YoY) | +9.3% | +2.5% | +6.8 pts |
| Loan growth (YoY) | +7.3% | +2.6% | +4.7 pts |
| ROA | 1.81% | 0.99% | +0.8 pts |
| ROE | 18.7% | 8.1% | +10.6 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $75.8M | $68.0M | $34.4M | $7.5M | $711K | 1.81% | 3.62% | 0.46% |
| Q1 2026 | $84.6M | $76.5M | $33.2M | $7.8M | $378K | 1.90% | 3.68% | 0.00% |
| Q4 2025 | $74.9M | $67.0M | $33.0M | $7.5M | $1.2M | 1.72% | 3.97% | 0.19% |
| Q3 2025 | $60.9M | $53.1M | $32.0M | $7.2M | $883K | 1.81% | 4.01% | 0.20% |
| Q2 2025 | $69.6M | $62.2M | $32.1M | $7.1M | $591K | 1.78% | 4.03% | 0.11% |
| Q1 2025 | $64.3M | $57.1M | $28.2M | $6.9M | $295K | 1.82% | 3.99% | 0.00% |
| Q4 2024 | $65.3M | $58.3M | $32.6M | $6.7M | $1.2M | 1.92% | 4.13% | 0.00% |
| Q3 2024 | $62.1M | $55.0M | $28.8M | $6.6M | $784K | 1.72% | 3.96% | 0.00% |
Loan mix (Q2 2026): real estate $15.6M · commercial $1.4M · consumer $1.0M · securities $17.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Hazelton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 0.99% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 18.7% | 8.1% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.0% | 70.8% | 7th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Hazelton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Hazelton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of Hazelton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Hazelton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Hazelton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $68.0M branch deposits. Biggest market: Emmons, ND, ranked 3rd with 21.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Emmons, ND | 1 | $68.0M | 21.60% | 3rd |
North Dakota: 73rd with 0.14% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1