Union State Bank of Hazen: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 126.65 percentage points lower than in Q1 2026, at 70.64%. Within North Dakota, Union State Bank of Hazen is 50th of 60 on return on assets, 1.02% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Union State Bank of Hazen sits 0.23 points lower, at 1.02% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 8.96% |
| Equity capital to assets | 7.39% |
| Tangible equity to tangible assets | 7.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.36% |
| Non-performing assets ratio | 1.44% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 18.00% |
| Allowance for credit losses to loans | 1.67% |
| Reserve coverage of non-performing loans | 70.64% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.02% |
| Return on equity | 13.85% |
| Net interest margin | 3.65% |
| Efficiency ratio | 64.56% |
| Yield on earning assets | 5.17% |
| Cost of funds | 1.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.51% |
| Core deposits to total deposits | 79.48% |
| Brokered deposits to total deposits | 19.76% |
| Deposits to assets | 88.06% |
| Securities to assets | 37.25% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.41% | -0.22% | 2.58% | 1.35% | -0.26% |
| Q4 2023 | 9.23% | 0.40% | 2.71% | 1.25% | -0.03% |
| Q1 2024 | 9.31% | 0.55% | 2.88% | 1.19% | 0.23% |
| Q2 2024 | 9.58% | 1.11% | 3.18% | 1.09% | -0.03% |
| Q3 2024 | 8.70% | 1.98% | 2.98% | 1.03% | -0.02% |
| Q4 2024 | 8.95% | 0.22% | 3.14% | 1.02% | -0.03% |
| Q1 2025 | 9.23% | 0.75% | 3.32% | 1.33% | 0.11% |
| Q2 2025 | 9.19% | 0.87% | 3.40% | 1.25% | 0.01% |
| Q3 2025 | 9.16% | 1.00% | 3.38% | 1.07% | 0.52% |
| Q4 2025 | 9.17% | 0.92% | 3.58% | 1.02% | -0.04% |
| Q1 2026 | 9.08% | 1.13% | 3.64% | 0.82% | 0.01% |
| Q2 2026 | 8.96% | 1.02% | 3.65% | 2.36% | 0.00% |
Union State Bank of Hazen vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Union State Bank of Hazen, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)