BlastPoint's Banking Scorecard

Hiawatha National Bank

$100M-$1B Specialty: Commercial WI FDIC cert 13058

Hager City, WI

8 branches across WI

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
Deposits -0.2% year over year ($602.1M on the books).
Delinquency rate 5.39%.
Return on assets 0.89%.
Efficiency ratio 60.49% vs a 64.48% peer average.
Loan-to-deposit ratio 94.18% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI

View $100M-$1B leaderboard (WI) →

Hiawatha National Bank has 1 strength but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 3.99% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 18.2% in tier
- Flatlined Growth: Bottom 22.9% in tier
- Cost Spiral: Bottom 23.9% in tier
- Delinquency Rate 4.47% above tier average
- Nonperforming Asset Ratio 3.24% above tier average
- ROA 0.43% below tier average
- Net Interest Margin 0.90% below tier average

Get updates when Hiawatha National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$781.3M -0.4% YoY +1.1% QoQ	+$394.8M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	Top 8.9% in tier
Total Loans ?	$567.1M +2.3% YoY +2.0% QoQ	+$308.7M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	Top 7.3% in tier
Total Deposits ?	$602.1M -0.2% YoY +1.0% QoQ	+$275.4M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	Top 12.1% in tier
Return on Assets ?	0.89% +7.6% YoY -5.9% QoQ	-0.43%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	28%
Net Interest Margin ?	3.09% -3.9% YoY -0.8% QoQ	-0.90%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	Bottom 12.3% in tier
Efficiency Ratio ?	60.49% +10.1% YoY -2.1% QoQ	-3.99%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	56%
Delinquency Rate ?	5.39% +117.4% YoY +13.5% QoQ	+4.47%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	Bottom 2.3% in tier
Loan-to-Deposit Ratio ?	94.18% +2.6% YoY +1.0% QoQ	+16.22%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	18%
Non-Interest-Bearing Deposit Share ?	13.06% +13.7% YoY +7.7% QoQ	-8.97%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	18%
Nonperforming Asset Ratio ?	3.91% +123.4% YoY +14.6% QoQ	+3.24%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	Bottom 1.8% in tier
Tier 1 Capital Ratio ?	14.86% +8.0% YoY -0.4% QoQ	-1.05%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.10% +5.9% YoY +127.8% QoQ	-0.47%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	18%

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 (WI)	National Avg	Tier Percentile
Noninterest-Bearing	13.1% +1.6pp YoY +0.9pp QoQ	-9.1pp	22.1%	18.9%	22.2%	17%
Brokered Deposits	22.8% -3.9pp YoY -0.9pp QoQ	+15.0pp	7.9%	9.2%	8.5%	93%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	19.8% -2.0pp YoY -0.4pp QoQ	+8.3pp	11.6%	10.5%	12.5%	88%
CRE	55.7% +2.3pp YoY +0.4pp QoQ	+16.1pp	39.5%	46.4%	41.4%	79%
1-4 Family	15.6% +0.5pp YoY +0.6pp QoQ	-17.0pp	32.6%	32.3%	31.3%	21%
Consumer	0.3% -0.1pp YoY 0.0pp QoQ	-3.8pp	4.1%	2.6%	5.0%	10%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	14.9% +1.1pp YoY -0.1pp QoQ	-4.0pp	18.8%	15.5%	19.7%	48%
Leverage Ratio	10.8% +1.0pp YoY +0.1pp QoQ	-1.4pp	12.2%	12.6%	12.6%	46%
Total Capital Ratio	16.1% +1.3pp YoY 0.0pp QoQ	-3.9pp	19.9%	16.6%	20.8%	48%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	70 -1 (-1.4%) YoY -1 (-1.4%) QoQ	+11	58	134	482	71%
Assets per Employee ($)	$11.2M +1.0% YoY +2.5% QoQ	+$3.6M	$7.5M	$8.2M	$8.8M	90%
Branch Count	8 +1 (+14.3%) YoY +1 (+14.3%) QoQ	+3	4	9	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	5.4% +3.0pp YoY +0.6pp QoQ	+4.4pp	0.9%	0.9%	1.0%	98%
Allowance Coverage	0.21x -44.1% YoY -8.1% QoQ	-23.94x	24.15x	56.89x	20.23x	1%
Net Charge-off Rate (YTD)	0.0% -0.4pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.0%	0.2%	50%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	8.1% -0.4pp YoY -0.6pp QoQ	-4.1pp	12.2%	11.8%	11.6%	26%
Cost of Funds (YTD)	2.9% -0.1pp YoY 0.0pp QoQ	+1.2pp	1.7%	1.8%	1.7%	97%
Net Income ($, YTD)	$3.4M +6.4% YoY — QoQ	+$864K	$2.6M	$7.9M	$40.4M	74%

Get Full Access to Hiawatha National Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Strain

risk

#127 of 691 • Bottom 18.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.18%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Flatlined Growth

risk

#122 of 529 • Bottom 22.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.89%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank improving

Cost Spiral

risk

#34 of 138 • Bottom 23.9% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 60.49%

(Tier: 64.48%, National: 70.05%)

better than tier avg

138 of 138 Community banks match · 184 nationally

→ Stable +9 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

194

Total Loans

size

Value: $567.07M

Peer Median: $258.35M

#194 of 2643 Top 7.3% in $100M-$1B

237

Total Assets

size

Value: $781.33M

Peer Median: $386.57M

#237 of 2643 Top 8.9% in $100M-$1B

322

Total Deposits

size

Value: $602.14M

Peer Median: $326.73M

#322 of 2643 Top 12.1% in $100M-$1B

Top Weaknesses (6 metrics)

2596

Nonperforming Asset Ratio

credit_quality

Value: 3.91%

Peer Median: 0.67%

#2596 of 2643 Bottom 1.8% in $100M-$1B

2574

Delinquency Rate

credit_quality

Value: 5.39%

Peer Median: 0.92%

#2574 of 2633 Bottom 2.3% in $100M-$1B

2319

Net Interest Margin

profitability

Value: 3.09%

Peer Median: 3.99%

#2319 of 2643 Bottom 12.3% in $100M-$1B

2178

Non-Interest-Bearing Deposit Share

funding

Value: 13.06%

Peer Median: 22.03%

#2178 of 2643 Bottom 17.6% in $100M-$1B

2176

Loan-to-Deposit Ratio

liquidity

Value: 94.18%

Peer Median: 77.95%

#2176 of 2643 Bottom 17.7% in $100M-$1B

2172

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2172 of 2643 Bottom 17.9% in $100M-$1B