Bank of Hazelton: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.29 percentage points to 3.91%. Within North Dakota, Bank of Hazelton is 29th of 60 on net interest margin, 3.91% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin; Bank of Hazelton reported 3.91% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | 6.72% |
| Yield on securities | 4.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.68% |
| Cost of interest-bearing deposits | 1.69% |
| Cost of interest-bearing liabilities | 1.69% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.91% |
| Yield to cost spread | 3.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $564K |
| Total interest expense | $261K |
| Interest expense on deposits | $261K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.29% | 1.37% | 4.00% | 7.30% | 2.59% |
| Q4 2023 | 5.51% | 1.83% | 4.01% | 7.49% | 2.79% |
| Q1 2024 | 5.43% | 1.68% | 3.86% | 7.57% | 3.05% |
| Q2 2024 | 5.70% | 1.78% | 4.03% | 7.49% | 3.51% |
| Q3 2024 | 5.87% | 1.84% | 4.17% | 7.69% | 3.64% |
| Q4 2024 | 5.67% | 1.69% | 4.09% | 7.57% | 3.61% |
| Q1 2025 | 5.63% | 1.67% | 4.06% | 7.31% | 3.88% |
| Q2 2025 | 5.76% | 1.75% | 4.17% | 7.18% | 3.99% |
| Q3 2025 | 5.74% | 1.90% | 4.02% | 7.16% | 3.91% |
| Q4 2025 | 5.39% | 1.82% | 3.72% | 7.17% | 3.84% |
| Q1 2026 | 5.09% | 1.56% | 3.62% | 6.94% | 4.00% |
| Q2 2026 | 5.46% | 1.68% | 3.91% | 6.72% | 4.26% |
Bank of Hazelton yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hazelton, freeSource: Call Report Schedules RI and RC-K, 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)