BlastPoint's Banking Scorecard
Bank of Hazelton
Designations: ✓ Community bank
Hazelton, 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 536 banks in the under $100M peer group nationwide — 1 of 13 in ND.
- Deposits +9.2% year over year ($68.0M on the books).
- Delinquency rate 1.02%.
- Return on assets 1.81%.
- Efficiency ratio 48.03% vs a 119.40% peer average.
- Loan-to-deposit ratio 50.65% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Hazelton has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 71.37% below tier average
- + ROA 0.82% above tier average
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 1.37% below tier average
- - Net Interest Margin 0.30% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$75.8M
+8.8% YoY
-10.5% QoQ
|
+$13.3M |
$62.4M
-0.0% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
65% |
| Total Loans ? |
$34.4M
+7.3% YoY
+3.5% QoQ
|
-$467K |
$34.9M
-0.6% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
53% |
| Total Deposits ? |
$68.0M
+9.2% YoY
-11.2% QoQ
|
+$16.3M |
$51.6M
-0.2% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
70% |
| Return on Assets ? |
1.81%
+1.9% YoY
-4.4% QoQ
|
+0.82% |
1.00%
+3.5% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
85% |
| Net Interest Margin ? |
3.62%
-10.4% YoY
-1.7% QoQ
|
-0.30% |
3.91%
+2.3% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
35% |
| Efficiency Ratio ? |
48.03%
-7.8% YoY
+2.5% QoQ
|
-71.37% |
119.40%
+49.6% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
Top 7.1% in tier |
| Delinquency Rate ? |
1.02%
+343.3% YoY
|
-0.46% |
1.48%
+31.8% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
50.65%
-1.8% YoY
+16.6% QoQ
|
-23.56% |
74.21%
+12.6% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
13.31%
-7.1% YoY
-15.8% QoQ
|
-10.18% |
23.49%
+0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.46%
+337.0% YoY
|
-0.37% |
0.84%
+23.0% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
11.14%
-6.0% YoY
+13.4% QoQ
|
-15.99% |
27.13%
+3.0% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
Bottom 13.8% in tier |
| Non-Interest Income / Assets ? |
0.01%
+5.0% YoY
-10.7% QoQ
|
-1.37% |
1.38%
+6.3% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
Bottom 3.9% in tier |
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 |
13.3%
-1.0pp YoY -2.5pp QoQ |
-11.3pp | 24.6% | 21.6% | 22.2% | 16% |
| Brokered Deposits | n/a | n/a | 9.8% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.1%
-2.4pp YoY -0.1pp QoQ |
-9.3pp | 13.4% | 12.9% | 12.5% | 14% |
| CRE | n/a | n/a | 25.2% | 29.0% | 41.4% | n/a |
| 1-4 Family |
3.1%
-0.2pp YoY -0.1pp QoQ |
-31.8pp | 35.0% | 12.3% | 31.3% | 10% |
| Consumer |
2.9%
+1.3pp YoY +0.3pp QoQ |
-4.7pp | 7.7% | 4.5% | 5.0% | 31% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.3% | 19.7% | n/a |
| Leverage Ratio |
11.1%
-0.7pp YoY +1.3pp QoQ |
-6.6pp | 17.7% | 10.7% | 12.6% | 30% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
0 YoY 0 QoQ |
-4 | 12 | 138 | 482 | 29% |
| Assets per Employee ($) |
$9.5M
+8.8% YoY -10.5% QoQ |
+$3.3M | $6.2M | $8.3M | $8.8M | 91% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.0%
+0.8pp YoY |
+0.1pp | 1.0% | 0.5% | 0.4% | 75% |
| Nonaccrual | n/a | n/a | 1.7% | 0.7% | 1.0% | n/a |
| Allowance Coverage |
1.08x
-75.8% YoY |
-5.33x | 6.41x | 73.79x | 20.23x | 45% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.7%
+1.6pp YoY -1.0pp QoQ |
+12.3pp | 6.4% | 16.0% | 11.6% | 92% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 1.4% | 1.7% | 1.7% | 54% |
| Net Income ($, YTD) |
$711,000
+20.3% YoY — QoQ |
+$393K | $317,817 | $7.0M | $40.4M | 88% |
Get Full Access to Bank of Hazelton
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.