FDIC Cert #13195 · Hazen, North Dakota · Est. 1908

Union State Bank of Hazen - FDIC Bank Health Profile

A community-scale look at Union State Bank of Hazen's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$251M
Total assets
C
Health grade · Fair
0.89%
Return on assets
9.2%
Tier 1 capital

Data updated July 2026

The verdict

Union State Bank of Hazen earns a PlainBankData health grade of C (52/100), with 9.17% Tier 1 capital, 0.89% ROA, 73% efficiency ratio.

#2,733
largest of 4,313 FDIC banks by assets
37th
percentile by asset size, nationally
9.17%
Tier 1 ratio - below the 10% well-capitalized line
35th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 13195 · ND C · 52/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (52/100)
  • BOTTOM-DECILE #4087/4307
  • PHOTO-FINISH The New Washington S… · IN
  • TIER1-ADEQ 9.2% Tier 1
  • TEXAS-CLEAN 6.6% Texas
  • ROA-PAR 0.89% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Dakota: The New Washington State Bank, IN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Union State Bank of Hazen

Lowest and highest poles plus nearest scored peers outside North Dakota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Caldwell Bank & Trus… · LA ·…52/100First State Bank of… · TX · …52/100Generations Bank · NE · near52/100The New Washington S… · IN ·…52/100Union State Bank of… · ND · …52/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Union State Bank of Hazen · July 2026

Plate reading for Union State Bank of Hazen where failures stay rare

Union State Bank of Hazen (FDIC Cert #13195) carries a PlainBankData health grade of C at 52/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,087 of 4,307. Tier 1 capital prints at 9.17%, missing the 10% well-capitalized line. The Texas Ratio is 6.63%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.89%. Balance-sheet scale is $251M, 2,733rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The New Washington State Bank (IN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Union State Bank of Hazen

Zero FAILURE resolutions in North Dakota since 2000

Union State Bank of Hazen is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST FS & LA OF FARGO FARGO, ND 1991 → FIRST NB OF ND
  • FIRST NATIONAL BANK OF CROSBY CROSBY, ND 1990 → FIRST NATIONAL BANK & TRUST
  • THE FIRST STATE BANK OF REGENT REGENT, ND 1990 → FIRST NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and North Dakota banks.

How Union State Bank of Hazen's 52/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10052/100
Union State Bank of Hazen's composite health score
Tier 1 Capital Ratio (9.17%) 18/40
Return on Assets (ROA) (0.89%) 14/25
Texas Ratio (6.63%) 16/20
Efficiency Ratio (72.59%) 4/15

52 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$251M

Total balance-sheet footings

Total Deposits

$231M

Customer-funded liabilities

Net Loans

$137M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.77% 9.17% 10.57%
Basel III capital ratios - Union State Bank of Hazen

Where Union State Bank of Hazen ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Union State Bank of Hazen's score of 52/100 falls in the highlighted band.

Union State Bank of Hazen: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

52 5th percentile higher than 5% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Union State Bank of Hazen 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Union State Bank of Hazen's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Union State Bank of Hazen's $251M falls in the highlighted band.

Safety metrics: Union State Bank of Hazen

Tier 1 capital ratio
Well-capitalized 10%

9.17% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.17%
Texas Ratio
6.63%
Equity Capital
$19M

What these ratios mean →

Profitability metrics: Union State Bank of Hazen

Return on Assets (ROA)
35th percentile nationally
0.89%
Return on Equity (ROE)
12.36%
Efficiency Ratio
72.59%

What these mean →

Income & expense at Union State Bank of Hazen

$11M
Interest Income
$940K
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Union State Bank of Hazen reports a Texas Ratio of 6.63% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.63% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Union State Bank of Hazen on FDIC BankFind →

Top banks in North Dakota by total assets

Largest banks headquartered in North Dakota
  1. 1
    Bell Bank $14.4B

    Fargo, ND · Grade C

  2. 2
    First International Bank & Trust $6.2B

    Watford City, ND · Grade B

  3. 3
    Choice Financial Group $6.0B

    Fargo, ND · Grade B

  4. 4
    Alerus Financial $5.2B

    Grand Forks, ND · Grade C

  5. 5
    Gate City Bank $4.0B

    Fargo, ND · Grade D

Top 5 banks in North Dakota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($251M here), outside North Dakota so the neighborhood is not state containment.

Farmers State Bank $251M · SD The Clay City Banking Co. $251M · IL Petit Jean State Bank $250M · AR Peoples Bank $251M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Union State Bank of Hazen (FDIC Cert #13195) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Union State Bank of Hazen Call Report profile · FDIC Failed Bank List · North Dakota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Dakota

All North Dakota banks →
BankAssetsGradeROA
Bell BankFargo $14.4B C 0.59%
First International Bank & TrustWatford City $6.2B B 1.69%
Choice Financial GroupFargo $6.0B B 1.22%
Alerus Financial, National AssociationGrand Forks $5.2B C 0.42%
Gate City BankFargo $4.0B D 0.60%
Bravera BankDickinson $3.8B B 1.12%
Western State BankDevils Lake $2.6B A 1.79%
First Western Bank & TrustMinot $2.3B C 0.84%