Union State Bank of Hazen: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Union State Bank of Hazen of Hazen, ND against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.02% | 1.34% | -0.32% | 35th below |
| ROAE | 13.85% | 13.31% | +0.54% | 59th above |
| Net Interest Margin | 3.65% | 3.93% | -0.28% | 34th below |
| Efficiency Ratio | 64.56% | 61.14% | +3.42% | 40th below |
| PPNR / Avg Assets | 1.25% | 1.68% | -0.43% | 31st below |
| Yield on Earning Assets | 5.17% | 5.67% | -0.50% | 30th below |
| Cost of Funds | 1.59% | 1.88% | -0.29% | 64th above |
| Net Interest Spread | 3.18% | 3.32% | -0.14% | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.36% | 0.94% | +1.42% | 10th bottom |
| NPA / Total Assets | 1.44% | 0.70% | +0.74% | 13th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 48th below |
| ACL / Total Loans | 1.67% | 1.28% | +0.39% | 86th top |
| ACL / NPLs (Coverage) | 70.64% | 1539.07% | -1468.43% | 18th bottom |
| Texas Ratio | 18.00% | 7.33% | +10.67% | 10th bottom |
| Provision / NCO | 2483.33% | 1395.08% | +1088.25% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 8.96% | 12.14% | -3.18% | 12th bottom |
| Equity / Assets | 7.39% | 11.38% | -3.99% | 8th bottom |
| TCE / Tangible Assets | 7.39% | 11.09% | -3.70% | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.51% | 80.64% | -15.13% | 77th top |
| Core Deposit Ratio | 79.48% | 86.86% | -7.38% | 15th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.27% | 5.03% | -0.76% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.07% | 6.85% | +2.22% | 80th top |
| Loan Growth (Y/Y) | 11.06% | 7.90% | +3.16% | 77th top |
| Deposit Growth (Y/Y) | 3.53% | 6.29% | -2.76% | 46th below |
See Union State Bank of Hazen's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Union State Bank of Hazen, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Union State Bank of Hazen profile, how to read a UBPR, or how this data updates.