BlastPoint's Banking Scorecard

Bank of Hazelton

under $100M Specialty: Agricultural ND FDIC cert 17813

Designations: ✓ Community bank

Hazelton, ND

541 banks in the under $100M peer group nationally 12 in ND

Bank of Hazelton has 4 strengths but faces 2 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

+ Efficiency Ratio 41.51% below tier average
+ Delinquency Rate 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ ROA 1.06% above tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.65% below tier average
- Net Interest Margin 0.18% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$84.6M +31.6% YoY +13.0% QoQ	+$22.5M	$62.2M -0.6% YoY	$1.1B +4.5% YoY	$6.2B +9.1% YoY	77%
Total Loans ?	$33.2M +17.9% YoY +0.8% QoQ	-$999K	$34.2M -1.4% YoY	$779.7M +5.6% YoY	$3.2B +10.8% YoY	52%
Total Deposits ?	$76.5M +34.0% YoY +14.2% QoQ	+$24.8M	$51.7M -0.7% YoY	$930.6M +2.8% YoY	$4.8B +8.2% YoY	Top 15.0% in tier
Return on Assets ?	1.90% +4.2% YoY +10.2% QoQ	+1.06%	0.84% -2.3% YoY	1.38% +15.2% YoY	1.23% +13.4% YoY	Top 11.5% in tier
Net Interest Margin ?	3.68% -7.7% YoY -7.3% QoQ	-0.18%	3.86% +2.8% YoY	3.69% +5.3% YoY	3.89% +5.7% YoY	42%
Efficiency Ratio ?	46.84% -10.3% YoY -9.9% QoQ	-41.51%	88.34% +0.3% YoY	60.25% -5.8% YoY	66.95% -4.1% YoY	Top 6.7% in tier
Delinquency Rate ?	0.00% -100.0% QoQ	-1.37%	1.37% +33.8% YoY	0.92% +20.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	43.45% -12.0% YoY -11.8% QoQ	-20.77%	64.22% -0.7% YoY	69.27% +0.4% YoY	76.70% +0.9% YoY	76%
Non-Interest-Bearing Deposit Share ?	15.80% -24.0% YoY +17.0% QoQ	-7.91%	23.71% +0.3% YoY	22.07% +2.0% YoY	22.01% -1.2% YoY	26%
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.79%	0.79% +28.2% YoY	0.56% +12.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	9.82% -13.3% YoY -2.8% QoQ	-16.86%	26.68% +2.0% YoY	13.00% +1.5% YoY	17.06% +0.8% YoY	Bottom 5.7% in tier
Non-Interest Income / Assets ?	0.01% +52.0% YoY -31.9% QoQ	-0.65%	0.67% +1.9% YoY	0.12% +7.9% YoY	0.32% +4.1% YoY	Bottom 6.8% in tier

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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 541 peers in under $100M

Top Strengths (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Efficiency Ratio

profitability

Value: 46.84%

Peer Median: 88.34%

#37 of 541 Top 6.7% in under $100M

Return on Assets

profitability

Value: 1.90%

Peer Median: 0.84%

#63 of 541 Top 11.5% in under $100M

Total Deposits

size

Value: $76.53M

Peer Median: $51.74M

#82 of 541 Top 15.0% in under $100M

123

Total Assets

size

Value: $84.62M

Peer Median: $62.16M

#123 of 541 Top 22.6% in under $100M

130

Loan-to-Deposit Ratio

liquidity

Value: 43.45%

Peer Median: 64.22%

#130 of 541 Top 23.8% in under $100M

Top Weaknesses (2 metrics)

511

Tier 1 Capital Ratio

capital

Value: 9.82%

Peer Median: 26.68%

#511 of 541 Bottom 5.7% in under $100M

505

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.67%

#505 of 541 Bottom 6.8% in under $100M