BlastPoint's Banking Scorecard

Hiawatha National Bank

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

Hager City, WI

8 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in 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 3.46% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 19.0% in tier
- Cost Spiral: Bottom 25.4% in tier
- Flatlined Growth: Bottom 27.0% in tier
- Delinquency Rate 3.86% above tier average
- Nonperforming Asset Ratio 2.77% above tier average
- ROA 0.33% below tier average
- Net Interest Margin 0.82% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$773.1M -0.5% YoY +2.2% QoQ	+$387.0M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	Top 9.5% in tier
Total Loans ?	$555.8M +2.3% YoY -0.4% QoQ	+$300.1M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	Top 7.7% in tier
Total Deposits ?	$596.2M -0.3% YoY +2.8% QoQ	+$268.2M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	Top 12.6% in tier
Return on Assets ?	0.94% +17.4% YoY +9.8% QoQ	-0.33%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	34%
Net Interest Margin ?	3.11% -2.1% YoY -6.9% QoQ	-0.82%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	Bottom 14.8% in tier
Efficiency Ratio ?	61.82% +10.0% YoY +9.3% QoQ	-3.46%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	54%
Delinquency Rate ?	4.74% +91.1% YoY +181.2% QoQ	+3.86%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	Bottom 2.4% in tier
Loan-to-Deposit Ratio ?	93.23% +2.6% YoY -3.1% QoQ	+16.59%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	18%
Non-Interest-Bearing Deposit Share ?	12.13% +11.5% YoY -5.0% QoQ	-9.89%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	15%
Nonperforming Asset Ratio ?	3.41% +94.5% YoY +173.9% QoQ	+2.77%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	Bottom 2.3% in tier
Tier 1 Capital Ratio ?	14.93% +10.8% YoY +1.7% QoQ	-0.90%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.04% +1.4% YoY -80.0% QoQ	-0.24%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	16%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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

#123 of 643 • Bottom 19.0% 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: 93.23%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Cost Spiral

risk

#33 of 126 • Bottom 25.4% 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: 61.82%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Flatlined Growth

risk

#139 of 512 • Bottom 27.0% 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: 0.94%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

206

Total Loans

size

Value: $555.77M

Peer Median: $255.72M

#206 of 2664 Top 7.7% in $100M-$1B

254

Total Assets

size

Value: $773.12M

Peer Median: $386.08M

#254 of 2664 Top 9.5% in $100M-$1B

336

Total Deposits

size

Value: $596.15M

Peer Median: $327.97M

#336 of 2664 Top 12.6% in $100M-$1B

Top Weaknesses (6 metrics)

2605

Nonperforming Asset Ratio

credit_quality

Value: 3.41%

Peer Median: 0.64%

#2605 of 2664 Bottom 2.3% in $100M-$1B

2592

Delinquency Rate

credit_quality

Value: 4.74%

Peer Median: 0.89%

#2592 of 2654 Bottom 2.4% in $100M-$1B

2270

Net Interest Margin

profitability

Value: 3.11%

Peer Median: 3.93%

#2270 of 2664 Bottom 14.8% in $100M-$1B

2261

Non-Interest-Bearing Deposit Share

funding

Value: 12.13%

Peer Median: 22.02%

#2261 of 2664 Bottom 15.2% in $100M-$1B

2241

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2241 of 2664 Bottom 15.9% in $100M-$1B

2195

Loan-to-Deposit Ratio

liquidity

Value: 93.23%

Peer Median: 76.64%

#2195 of 2664 Bottom 17.6% in $100M-$1B