# BANK OF HAZELTON
HAZELTON, ND · FDIC certificate 17813 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $75.8M | |
| Deposits | $68.0M | |
| Loans and leases | $34.8M | |
| Total equity | $7.5M | |
| Loans / deposits | 50.65% (p20 of band) | 73.59% |
| Liquid assets / assets | 52.97% (p81 of band) | |
| Uninsured deposits / deposits | 46.46% (p95 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.14% (p41 of band) | 11.76% |
| Unrealized securities loss / equity | -3.07% (p65 of band) | -6.57% |
| AOCI / equity | -2.43% (p9 of band) | |
| ROA (annualized) | 1.81% (p80 of band) | 1.17% |
| Net interest margin | 3.62% (p34 of band) | 3.93% |
| Efficiency ratio | 48.03% (p11 of band) | |
| Noncurrent loans | 1.01% (p71 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 107.95% | |
| Real estate % of loans | 45% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $509,000 (1.46% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.3% | |
| Employees | 8 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | deposits shrinking, assets shrinking |  |
| 2014-12 | 0 |  | deposits shrinking, assets shrinking |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | deposits shrinking |  |
| 2019-03 | 0 |  | deposits shrinking |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | capital falling, NIM <2.5% |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 0 |  | NIM <2.5% |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | NIM <2.5% |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity | NIM <2.5% |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 2 |  | uninsured deposits leaving |
| 2023-09 | 3 | uninsured deposits leaving |  |
| 2023-12 | 1 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | uninsured deposits >50%, capital falling |  |
| 2026-06 | 0 |  | uninsured deposits >50%, capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-11 [Richard "Jiggs" Schuette Obituary Nov 11, 2025 - Bismarck Funeral Home and Crematory](https://news.google.com/rss/articles/CBMieEFVX3lxTE1IVkN1MnYtcS13OHdPVVpUSVhGUHd2V193Z3o2M3U1bVlsSkRFVE1MVUd3OHl2QWpVaktxeGs4cjVLcEt6cTdXX3pfR0ZYXzVpSlZWVk8zODNjWGlKVG1lZm1BZC14d0lTelRVNnEwaXB0MXdhajB1ag?oc=5) · Bismarck Funeral Home and Crematory
- 2022-02-25 [Will regulatory scrutiny chill bank M&A this year — or hasten it? - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxPQklMSmg3aW1lYWl0VUR3ZnR5SDRXblpYQm5La2hHNDJrRS1WWS1kekhfT0pRMEpKMk95aGRNdHI5XzlSOWloN3NWdlBITWxwNU8wQWl2Sy1xUTZKdTdMVnJ4N1kzSm5NZnhTZC1pSng5ZXZxUkRaNXpWeGJmb05TcGg2NFJyUmxCUFhhbjVaR01NN2NVREYtRUJSQ1ZmUWM?oc=5) · American Banker
- 2019-09-17 [Corrected: Size matters. Big U.S. farms get even bigger amid China trade war - Reuters](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNX28wNVJKenFPaFFFNWpEWGNEemw1X2FuYVVCOGstYlBmdEtZeEpEMWk2dGZ2MnpmVEw0NTJ0ekVKd1I0Sk5ZZHRRYU9XdVhTSVdpQnZGUkZIZlNZa2FDM3hkcENwbFRmNFo2bkwydjRHQXBiYWpYQ3RtdFB5MzM1bkVzSmlhR0N0cmhCTEJYR2FkbDN5TjBIT1N1Q1d5LUQtUklYRFFFNV9CaHJTZGZVQnJKTzUxZHdydzM1c2UyRkpLVzA?oc=5) · Reuters
- 2023-03-25 [Leona Fried Obituary Mar 25, 2023 - eastgatefuneral.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9HMWY5ckFpRG1jeTlOYjdLcTMxcmFSWW9XdlpvZXVFR0NUVml0X0VQZDZ3dFFpeVg2dzJJUXZzYjNuTlZESk5leEpMYWdUMmR0QjYya2tLUmVFandnQ0tDbEhBQ18?oc=5) · eastgatefuneral.com
- 2021-07-05 [Verna (Enzminger) Pfaff - Eddy Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9BOXJQQ3BkUDc2QVJCcW5LUU9UdU9rTzBodWYtV25wd0VnYlBkV1UyMU0yN3pYYWwtLVpDbWRGYmlBb0otN2JsNUI1QVZQUDVjR1RBUVFDM05OQS1WMVhUZm9BaHg?oc=5) · Eddy Funeral Home
- 2015-08-08 [Kent Weiser Obituary (2015) - Bismarck, ND - The Bismarck Tribune - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNNURrd2MwSENNc1hacmtwUVZDazFMUzRacUc0a2Q4MU5TamwzTE1JR29lSng4cWJCbHVhWVZqRk9tak0yOUtoeEhIU1p0NlY0Vk1heXhST2s0dmp3NWczMm9HSzRXZHVrbHpRRVNMWE9lOExMMENHVEpaSnlUN1k4WnlLcnFsUmxwOEV6SHJ4T3VjQzA4?oc=5) · legacy.com
- 2022-10-23 [Tillie Shipley Obituary May 21, 2017 - eastgatefuneral.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1ERmRUUno3UlFzMVZ3V295T1FsSl9NSWRUVWlsMVhLWUt6Wml1OHlWR010SlZkTmNOQncxYk4tY3k4NFE3U28tZjNFSE1oZnA5UC16V0h3ckdJcFMtaWkxbWcxM2RXYnl0?oc=5) · eastgatefuneral.com
- 2019-02-19 [Arleen Svalen Obituary Feb 19, 2019 - eastgatefuneral.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBhalllZjB6U2pBakpkcGtqUFM0bHFfX3RVcjlKaXIzemtwUW5tbmIzUllhSHVVYzN6bXg2UE5XQmlIeUViZE1NaTlER2tRREpaczZLN09Wc05INFhsNVdwNTkxZXNVa2c?oc=5) · eastgatefuneral.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17813 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/21.json (key "17813", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide