Bank of Hazelton: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 7.27 percentage points in Q2 2026, from 43.94% to 51.21%. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, Bank of Hazelton is 49th of 60 on loan-to-deposit ratio, 51.21% as of Q2 2026, below the middle of the field. Bank of Hazelton reported 51.21% on loan-to-deposit ratio for Q2 2026, 16.41 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $34.8M |
| Net loans and leases | $34.4M |
| Loans held for sale | $0 |
| Loans to total assets | 45.93% |
| Loan-to-deposit ratio | 51.21% |
| Net loans to equity capital | 4.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.36% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.03% |
| Consumer | 2.90% |
| Credit cards | 0.14% |
| Farm | 37.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.34% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 17.63% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.72% |
| Interest income on loans | $564K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $24.5M | $47.3M | 0.60% | 4.63% | 1.85% |
| Q4 2023 | $27.6M | $55.7M | 0.66% | 4.74% | 1.15% |
| Q1 2024 | $25.8M | $56.8M | 0.70% | 4.96% | 1.57% |
| Q2 2024 | $29.3M | $50.5M | 0.59% | 4.19% | 1.42% |
| Q3 2024 | $29.2M | $55.0M | 0.57% | 5.45% | 1.45% |
| Q4 2024 | $32.9M | $58.3M | 0.48% | 7.57% | 2.30% |
| Q1 2025 | $28.5M | $57.1M | 0.52% | 7.51% | 1.82% |
| Q2 2025 | $32.4M | $62.2M | 0.44% | 6.45% | 1.57% |
| Q3 2025 | $32.4M | $53.1M | 0.43% | 6.29% | 2.29% |
| Q4 2025 | $33.4M | $67.0M | 0.39% | 4.77% | 2.36% |
| Q1 2026 | $33.6M | $76.5M | 4.56% | 4.17% | 2.62% |
| Q2 2026 | $34.8M | $68.0M | 4.36% | 4.03% | 2.90% |
Bank of Hazelton loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hazelton, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Hazelton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17813) · FFIEC NIC profile (RSSD 856458)