BlastPoint's Banking Scorecard
Union State Bank of Hazen
Hazen, ND
4 branches across ND
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 34 in ND.
- Deposits +3.5% year over year ($226.7M on the books).
- Delinquency rate 0.89%.
- Return on assets 1.09%.
- Efficiency ratio 67.91% vs a 64.48% peer average.
- Loan-to-deposit ratio 64.42% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Union State Bank of Hazen faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Net Interest Margin 0.33% below tier average
- - Efficiency Ratio 3.43% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$257.4M
+9.1% YoY
+2.2% QoQ
|
-$129.1M |
$386.6M
+1.2% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
38% |
| Total Loans ? |
$146.0M
+11.2% YoY
+3.4% QoQ
|
-$112.3M |
$258.3M
+1.7% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
33% |
| Total Deposits ? |
$226.7M
+3.5% YoY
-2.2% QoQ
|
-$100.0M |
$326.7M
+0.7% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
40% |
| Return on Assets ? |
1.09%
+33.8% YoY
-4.0% QoQ
|
-0.24% |
1.32%
+10.8% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
39% |
| Net Interest Margin ? |
3.65%
+9.3% YoY
+1.4% QoQ
|
-0.33% |
3.99%
+5.0% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
35% |
| Efficiency Ratio ? |
67.91%
-9.7% YoY
-1.7% QoQ
|
+3.43% |
64.48%
-3.2% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
35% |
| Delinquency Rate ? |
0.89%
-30.1% YoY
+6.5% QoQ
|
-0.03% |
0.92%
+15.7% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
64.42%
+7.4% YoY
+5.7% QoQ
|
-13.53% |
77.95%
+1.0% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
15.11%
-10.5% YoY
-25.6% QoQ
|
-6.92% |
22.03%
-0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.59%
-17.3% YoY
+6.2% QoQ
|
-0.08% |
0.67%
+16.4% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
8.96%
-2.5% YoY
-1.3% QoQ
|
-6.95% |
15.91%
+1.4% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
Bottom 0.8% in tier |
| Non-Interest Income / Assets ? |
0.15%
-17.7% YoY
+141.4% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
35% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.1%
-1.8pp YoY -5.2pp QoQ |
-7.0pp | 22.1% | 21.6% | 22.2% | 24% |
| Brokered Deposits |
19.8%
+0.1pp YoY +5.0pp QoQ |
+11.9pp | 7.9% | 6.0% | 8.5% | 90% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.5%
+0.8pp YoY +1.2pp QoQ |
-1.1pp | 11.6% | 12.9% | 12.5% | 55% |
| CRE |
24.8%
+4.4pp YoY -0.3pp QoQ |
-14.7pp | 39.5% | 29.0% | 41.4% | 26% |
| 1-4 Family |
25.5%
-0.8pp YoY -0.5pp QoQ |
-7.1pp | 32.6% | 12.3% | 31.3% | 42% |
| Consumer |
7.8%
-1.1pp YoY +0.1pp QoQ |
+3.7pp | 4.1% | 4.5% | 5.0% | 88% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.3% | 19.7% | n/a |
| Leverage Ratio |
9.0%
-0.2pp YoY -0.1pp QoQ |
-3.2pp | 12.2% | 10.7% | 12.6% | 12% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
43
-2 (-4.4%) YoY +2 (+4.9%) QoQ |
-16 | 58 | 138 | 482 | 45% |
| Assets per Employee ($) |
$6.0M
+14.1% YoY -2.5% QoQ |
-$1.5M | $7.5M | $8.3M | $8.8M | 33% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 7 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
+0.1pp QoQ |
-0.2pp | 0.3% | 0.5% | 0.4% | 52% |
| Nonaccrual |
0.8%
-0.5pp YoY -0.1pp QoQ |
-0.2pp | 0.9% | 0.7% | 1.0% | 65% |
| Allowance Coverage |
1.90x
+36.1% YoY -3.4% QoQ |
-22.25x | 24.15x | 73.79x | 20.23x | 46% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 43% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.4%
+2.5pp YoY -0.4pp QoQ |
+2.2pp | 12.2% | 16.0% | 11.6% | 64% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY +0.1pp QoQ |
-0.2pp | 1.7% | 1.7% | 1.7% | 38% |
| Net Income ($, YTD) |
$1.4M
+47.5% YoY — QoQ |
-$1.2M | $2.6M | $7.0M | $40.4M | 38% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.