BlastPoint's Banking Scorecard
Bank of Hazelton
Micro
Specialty: Agricultural
ND
FDIC cert 17813
Designations: ✓ Community bank
Hazelton, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
Bank of Hazelton faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$74.9M
+14.6% YoY
+22.9% QoQ
|
-$142.6M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$33.0M
+1.3% YoY
+3.0% QoQ
|
-$106.2M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$67.0M
+14.9% YoY
+26.1% QoQ
|
-$116.7M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
1.72%
-10.2% YoY
-4.9% QoQ
|
+0.64% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
3.97%
-3.8% YoY
-1.1% QoQ
|
+0.12% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
51.98%
+1.8% YoY
+0.2% QoQ
|
-15.75% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.43%
+15.7% QoQ
|
-0.21% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
49.24%
-11.8% YoY
-18.4% QoQ
|
-25.29% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.51%
-26.7% YoY
-20.8% QoQ
|
-8.88% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.19%
-3.1% QoQ
|
-0.26% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.02%
-75.9% YoY
-29.5% QoQ
|
-0.54% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.02%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Efficiency Ratio
Current: 51.98% · Tier avg: 67.73%
83
83th pctile
Return on Assets
Current: 1.72% · Tier avg: 1.08%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
57
57th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.64%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.51% · Tier avg: 22.39%
16
16th pctile
Total Deposits
Current: $67.0M · Tier avg: $183.7M
14
14th pctile
Total Assets
Current: $74.9M · Tier avg: $217.5M
12
12th pctile
Loan-to-Deposit Ratio
Current: 49.24% · Tier avg: 74.53%
12
12th pctile
Total Loans
Current: $33.0M · Tier avg: $139.2M
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
12
12th pctile
Total Loans
Current: $33.0M · Tier avg: $139.2M
12
12th pctile
Loan-to-Deposit Ratio
Current: 49.24% · Tier avg: 74.53%
14
14th pctile
Total Assets
Current: $74.9M · Tier avg: $217.5M
16
16th pctile
Total Deposits
Current: $67.0M · Tier avg: $183.7M
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.51% · Tier avg: 22.39%
48
48th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.85%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
83
83th pctile
Return on Assets
Current: 1.72% · Tier avg: 1.08%
87
87th pctile
Efficiency Ratio
Current: 51.98% · Tier avg: 67.73%