Union State Bank of Hazen: 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 biggest quarter-over-quarter change on this page was a small one: Yield on loans edged up 0.22 percentage points between Q1 2026 and Q2 2026, to 6.28%. Union State Bank of Hazen ranks 44th of 60 North Dakota banks on net interest margin, in the lower half at 3.65% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Union State Bank of Hazen sits 0.30 points lower, at 3.65% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.17% |
| Yield on loans | 6.28% |
| Yield on securities | 3.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.59% |
| Cost of interest-bearing deposits | 2.04% |
| Cost of interest-bearing liabilities | 1.99% |
| Cost of borrowings | 0.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.65% |
| Yield to cost spread | 3.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $966K |
| Interest expense on deposits | $963K |
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 | 4.20% | 1.71% | 2.58% | 5.26% | 2.88% |
| Q4 2023 | 4.48% | 1.86% | 2.71% | 5.45% | 3.24% |
| Q1 2024 | 4.56% | 1.76% | 2.88% | 5.52% | 3.27% |
| Q2 2024 | 4.89% | 1.80% | 3.18% | 5.99% | 3.49% |
| Q3 2024 | 4.97% | 2.10% | 2.98% | 6.09% | 3.39% |
| Q4 2024 | 5.00% | 1.97% | 3.14% | 6.12% | 3.41% |
| Q1 2025 | 4.95% | 1.72% | 3.32% | 6.02% | 3.46% |
| Q2 2025 | 5.04% | 1.74% | 3.40% | 6.13% | 3.59% |
| Q3 2025 | 5.16% | 1.88% | 3.38% | 6.24% | 3.71% |
| Q4 2025 | 5.19% | 1.70% | 3.58% | 6.29% | 3.66% |
| Q1 2026 | 5.05% | 1.51% | 3.64% | 6.06% | 3.67% |
| Q2 2026 | 5.17% | 1.59% | 3.65% | 6.28% | 3.68% |
Union State Bank of Hazen yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Union State Bank of Hazen, 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 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)