Union State Bank of Hazen: 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.
Construction concentration (tier 1 capital + allowance) dropped 12.60 percentage points in Q2 2026, from 33.57% to 20.97%. It was the largest change from Q1 2026 among the key lines here. Union State Bank of Hazen ranks 39th of 60 North Dakota banks on loan-to-deposit ratio, in the lower half at 65.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Union State Bank of Hazen sits 15.43 points lower, at 65.51% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $148.5M |
| Net loans and leases | $146.0M |
| Loans held for sale | $0 |
| Loans to total assets | 57.69% |
| Loan-to-deposit ratio | 65.51% |
| Net loans to equity capital | 7.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.06% |
| Multifamily (5+ residential) | 3.71% |
| Commercial and industrial | 10.30% |
| Consumer | 7.67% |
| Credit cards | 0.00% |
| Farm | 14.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 77.13% |
| Construction concentration (Tier 1 capital + allowance) | 20.97% |
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 | 6.28% |
| Interest income on loans | $2.3M |
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 | $111.2M | $203.3M | 13.08% | 12.93% | 9.35% |
| Q4 2023 | $111.4M | $208.5M | 14.43% | 12.90% | 9.52% |
| Q1 2024 | $111.5M | $203.4M | 16.67% | 13.18% | 9.12% |
| Q2 2024 | $118.8M | $207.1M | 18.11% | 11.18% | 9.66% |
| Q3 2024 | $126.1M | $208.6M | 18.23% | 11.68% | 8.78% |
| Q4 2024 | $125.5M | $214.2M | 16.86% | 11.19% | 9.08% |
| Q1 2025 | $124.1M | $207.3M | 17.35% | 10.46% | 9.61% |
| Q2 2025 | $133.7M | $219.0M | 16.09% | 9.54% | 8.71% |
| Q3 2025 | $136.1M | $221.6M | 15.71% | 9.63% | 8.35% |
| Q4 2025 | $139.6M | $231.0M | 18.26% | 9.25% | 8.09% |
| Q1 2026 | $143.6M | $231.7M | 17.53% | 9.11% | 7.61% |
| Q2 2026 | $148.5M | $226.7M | 17.06% | 10.30% | 7.67% |
Union State Bank of Hazen loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Union State Bank of Hazen, 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 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)