Union State Bank of Hazen is a state-chartered bank headquartered in Hazen, North Dakota, in business for about 118 years. At the end of Q2 2026 it reported $257.4M in total assets and $226.7M in deposits, with 4 offices.
Union State Bank of Hazen has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 42nd. Funding & liquidity contributes the most (96/100, 64% loans-to-deposits, 10% uninsured); capital cushion contributes the least (40/100, 8.96%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (61 → 65), mostly because the loan quality component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 65 |
| Q4 2024 | 62 |
| Q1 2025 | 60 |
| Q2 2025 | 61 |
| Q3 2025 | 63 |
| Q4 2025 | 64 |
| Q1 2026 | 67 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.58% |
| Q3 2024 | 8.70% |
| Q4 2024 | 8.95% |
| Q1 2025 | 9.23% |
| Q2 2025 | 9.19% |
| Q3 2025 | 9.16% |
| Q4 2025 | 9.17% |
| Q1 2026 | 9.08% |
| Q2 2026 | 8.96% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.09% |
| Q3 2024 | 1.03% |
| Q4 2024 | 1.15% |
| Q1 2025 | 1.36% |
| Q2 2025 | 1.25% |
| Q3 2025 | 1.08% |
| Q4 2025 | 1.02% |
| Q1 2026 | 0.82% |
| Q2 2026 | 0.88% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.82% |
| Q3 2024 | 1.21% |
| Q4 2024 | 0.96% |
| Q1 2025 | 0.75% |
| Q2 2025 | 0.81% |
| Q3 2025 | 0.88% |
| Q4 2025 | 0.89% |
| Q1 2026 | 1.13% |
| Q2 2026 | 1.09% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $257.4M | 8.96% | 0.88% | 1.09% | 64.4% |
| Q1 2026 | 67 | $251.8M | 9.08% | 0.82% | 1.13% | 61.0% |
| Q4 2025 | 64 | $250.6M | 9.17% | 1.02% | 0.89% | 59.4% |
| Q3 2025 | 63 | $240.9M | 9.16% | 1.08% | 0.88% | 60.4% |
| Q2 2025 | 61 | $236.0M | 9.19% | 1.25% | 0.81% | 60.0% |
| Q1 2025 | 60 | $224.1M | 9.23% | 1.36% | 0.75% | 58.8% |
| Q4 2024 | 62 | $229.4M | 8.95% | 1.15% | 0.96% | 57.5% |
| Q3 2024 | 65 | $224.6M | 8.70% | 1.03% | 1.21% | 59.4% |
| Q2 2024 | 64 | $222.8M | 9.58% | 1.09% | 0.82% | 56.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Merchants BankBank Rugby, ND | 65 out of 100, Moderate | $254.3M | 10.6% | 1.25% | vs |
| Security First Bank of North DakotaBank New Salem, ND | 87 out of 100, Very strong | $293.2M | 13.0% | 0.00% | vs |
| Peoples State Bank of VelvaBank Velva, ND | 73 out of 100, Strong | $210.0M | 9.3% | 0.10% | vs |
| The Union BankBank Beulah, ND | 64 out of 100, Moderate | $312.2M | 10.1% | 1.38% | vs |
| State Bank & Trust of KenmareBank Kenmare, ND | 62 out of 100, Moderate | $201.1M | 9.2% | 1.10% | vs |
| Horizon Financial BankBank Munich, ND | 61 out of 100, Moderate | $201.0M | 10.8% | 1.34% | vs |
Deposit insurance
Is my money safe at Union State Bank of Hazen?
Yes. Union State Bank of Hazen is an FDIC-insured institution (FDIC certificate #13195). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.9% of deposits ($22.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.96%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Union State Bank of Hazen lists 2 offices in 2 cities. Most locations:
- Beulah, ND (1)
- Hazen, ND (1)
Identity & history
Profile
- Legal name
- Union State Bank of Hazen
- Type
- State-chartered bank
- FDIC certificate #
- 13195
- RSSD ID
- 855956
- Primary regulator
- FDIC
- Holding company
- Hazen Bcorp Inc
- Established
- January 1, 1908
- Headquarters
- 209 Central Ave N, Hazen, ND 58545
- Website
- www.betterstate.com
- Employees
- 43
Quick answers
Union State Bank of Hazen: common questions
Is Union State Bank of Hazen FDIC insured?
Yes. Union State Bank of Hazen is an FDIC-insured institution (FDIC certificate #13195). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Union State Bank of Hazen's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Union State Bank of Hazen ever failed?
There is no failure record for FDIC certificate #13195 in the FDIC failed bank list.
How many branches does Union State Bank of Hazen have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hazen
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security First Bank of North DakotaBank New Salem, ND | 87 out of 100, Very strong | $293.2M | 13.0% | 0.00% | vs |
| Capital Credit UnionCredit union Bismarck, ND | 66 out of 100, Moderate | $921.5M | 13.1% | 1.80% | vs |
| The Union BankBank Beulah, ND | 64 out of 100, Moderate | $312.2M | 10.1% | 1.38% | vs |
| First Security Bank - WestBank Beulah, ND | 55 out of 100, Moderate | $75.2M | 12.9% | 4.65% | vs |