Union State Bank of Hazen
Total assets
$257.4M
▲ +9.1% YoY
Deposits
$226.7M
▲ +3.5% YoY
Loans
$146.0M
▲ +11.2% YoY
Offices
4
HAZEN BCORP INC
ROA (annualized)
1.09%
peers 1.24%
ROE (annualized)
14.36%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +4.4% | +4.7 pts |
| Deposit growth (YoY) | +3.5% | +4.0% | -0.4 pts |
| Loan growth (YoY) | +11.2% | +5.6% | +5.6 pts |
| ROA | 1.09% | 1.24% | -0.2 pts |
| ROE | 14.4% | 11.9% | +2.5 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
Profile
- Established
- 1908
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- HAZEN BCORP INC
- Specialization
- Agricultural Specialization
- Address
- 209 Central Ave N, Hazen, ND, 58545
- County
- Mercer
- Offices
- 4
- FDIC cert #
- 13195
- RSSD ID
- 855956
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $257.4M | $226.7M | $146.0M | $19.0M | $1.4M | 1.09% | 3.65% | 0.59% |
| Q1 2026 | $251.8M | $231.7M | $141.3M | $19.4M | $711K | 1.13% | 3.60% | 0.55% |
| Q4 2025 | $250.6M | $231.0M | $137.2M | $19.1M | $2.1M | 0.89% | 3.39% | 0.57% |
| Q3 2025 | $240.9M | $221.6M | $133.8M | $18.5M | $1.5M | 0.88% | 3.36% | 0.61% |
| Q2 2025 | $236.0M | $219.0M | $131.4M | $16.3M | $933K | 0.81% | 3.34% | 0.71% |
| Q1 2025 | $224.1M | $207.3M | $121.8M | $16.1M | $425K | 0.75% | 3.29% | 0.75% |
| Q4 2024 | $229.4M | $214.2M | $123.1M | $14.6M | $2.1M | 0.96% | 3.00% | 0.63% |
| Q3 2024 | $224.6M | $208.6M | $123.9M | $15.2M | $2.0M | 1.21% | 2.96% | 0.58% |
Loan mix (Q2 2026): real estate $95.2M · commercial $15.3M · consumer $11.4M · securities $95.9M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.9% | 62.9% | — | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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