Union State Bank of Hazen: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Core deposits to total deposits: 5.30 percentage points lower than in Q1 2026, at 79.48%. Within North Dakota, Union State Bank of Hazen is 39th of 60 on loan-to-deposit ratio, 65.51% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Union State Bank of Hazen sits 15.33 points lower, at 65.51% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $103.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.0M |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.88% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.51% |
| Net loans and leases to deposits | 64.42% |
| Loans and leases to core deposits | 66.02% |
| Core deposits to total deposits | 79.48% |
| Brokered deposits to total deposits | 19.76% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 54.68% | 84.10% | $0 | $0 |
| Q4 2023 | 53.41% | 84.74% | $0 | $0 |
| Q1 2024 | 54.81% | 87.24% | $0 | $0 |
| Q2 2024 | 57.36% | 81.29% | $0 | $0 |
| Q3 2024 | 60.46% | 78.28% | $0 | $0 |
| Q4 2024 | 58.57% | 82.61% | $0 | $0 |
| Q1 2025 | 59.86% | 84.68% | $0 | $0 |
| Q2 2025 | 61.07% | 80.11% | $0 | $0 |
| Q3 2025 | 61.41% | 77.06% | $0 | $0 |
| Q4 2025 | 60.43% | 82.26% | $0 | $0 |
| Q1 2026 | 61.97% | 84.78% | $0 | $0 |
| Q2 2026 | 65.51% | 79.48% | $1.0M | $10.0M |
Union State Bank of Hazen liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Union State Bank of Hazen, freeSource: Call Report Schedules RC and RC-M, 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 Union State Bank of Hazen profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13195) · FFIEC NIC profile (RSSD 855956)