BlastPoint's Banking Scorecard

Union State Bank of Hazen

$100M-$1B Specialty: Agricultural ND FDIC cert 13195

Hazen, ND

4 branches across ND

2664 banks in the $100M-$1B peer group nationally 35 in ND

Union State Bank of Hazen has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.05% below tier average

Key Concerns

Areas that may need attention

- ROA 0.14% below tier average
- Net Interest Margin 0.33% below tier average
- Efficiency Ratio 3.77% above tier average

Get updates when Union State Bank of Hazen releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$251.8M +12.4% YoY +0.5% QoQ	-$134.2M	$386.1M +0.5% YoY	$1.1B +4.5% YoY	$6.2B +9.1% YoY	37%
Total Loans ?	$141.3M +16.0% YoY +2.9% QoQ	-$114.4M	$255.7M +1.1% YoY	$779.7M +5.6% YoY	$3.2B +10.8% YoY	33%
Total Deposits ?	$231.7M +11.8% YoY +0.3% QoQ	-$96.2M	$328.0M +0.1% YoY	$930.6M +2.8% YoY	$4.8B +8.2% YoY	41%
Return on Assets ?	1.13% +51.0% YoY +27.9% QoQ	-0.14%	1.27% +12.9% YoY	1.38% +15.2% YoY	1.23% +13.4% YoY	46%
Net Interest Margin ?	3.60% +9.6% YoY +6.5% QoQ	-0.33%	3.93% +6.0% YoY	3.69% +5.3% YoY	3.89% +5.7% YoY	36%
Efficiency Ratio ?	69.05% -11.2% YoY -4.9% QoQ	+3.77%	65.29% -4.5% YoY	60.25% -5.8% YoY	66.95% -4.1% YoY	35%
Delinquency Rate ?	0.84% -39.7% YoY -19.0% QoQ	-0.05%	0.89% +18.8% YoY	0.92% +20.6% YoY	0.95% +18.8% YoY	33%
Loan-to-Deposit Ratio ?	60.97% +3.8% YoY +2.6% QoQ	-15.67%	76.64% +0.8% YoY	69.27% +0.4% YoY	76.70% +0.9% YoY	80%
Non-Interest-Bearing Deposit Share ?	20.31% +14.7% YoY -1.2% QoQ	-1.71%	22.02% -1.0% YoY	22.07% +2.0% YoY	22.01% -1.2% YoY	47%
Nonperforming Asset Ratio ?	0.55% -26.7% YoY -2.3% QoQ	-0.09%	0.64% +19.7% YoY	0.56% +12.7% YoY	0.67% +19.3% YoY	35%
Tier 1 Capital Ratio ?	9.08% -1.6% YoY -1.0% QoQ	-6.75%	15.83% +1.5% YoY	13.00% +1.5% YoY	17.06% +0.8% YoY	Bottom 1.2% in tier
Non-Interest Income / Assets ?	0.06% -28.1% YoY -83.5% QoQ	-0.22%	0.28% +9.3% YoY	0.12% +7.9% YoY	0.32% +4.1% YoY	27%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

533

Loan-to-Deposit Ratio

liquidity

Value: 60.97%

Peer Median: 76.64%

#533 of 2664 Top 20.0% in $100M-$1B

Top Weaknesses (1 metrics)

2633

Tier 1 Capital Ratio

capital

Value: 9.08%

Peer Median: 15.83%

#2633 of 2664 Bottom 1.2% in $100M-$1B