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Hiawatha Bank and Trust Company

$100M-$1B Specialty: Commercial IA FDIC cert 34488

Hiawatha, IA

3 branches across IA

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 167 in IA.
  • Deposits +11.9% year over year ($133.9M on the books).
  • Delinquency rate 0.23%.
  • Return on assets 1.33%.
  • Efficiency ratio 58.29% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.76% 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 167 in IA
View $100M-$1B leaderboard (IA) →

Hiawatha Bank and Trust Company has 3 strengths but faces 2 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

  • + Net Interest Margin 0.17% above tier average
  • + Efficiency Ratio 6.19% below tier average
  • + Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 20.1% in tier
  • - Credit Risk Growth: Bottom 31.4% in tier
Get updates when Hiawatha Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $156.9M
+8.5% YoY +0.2% QoQ
-$229.6M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
16%
Total Loans ? $106.8M
+7.5% YoY +2.0% QoQ
-$151.5M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
21%
Total Deposits ? $133.9M
+11.9% YoY +1.1% QoQ
-$192.8M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
16%
Return on Assets ? 1.33%
+22.0% YoY +11.9% QoQ
+0.01% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
55%
Net Interest Margin ? 4.16%
+9.4% YoY +1.3% QoQ
+0.17% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
63%
Efficiency Ratio ? 58.29%
-8.4% YoY -4.5% QoQ
-6.19% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
62%
Delinquency Rate ? 0.23%
+72.4% YoY +59.6% QoQ
-0.69% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
64%
Loan-to-Deposit Ratio ? 79.76%
-3.9% YoY +0.9% QoQ
+1.81% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
50%
Non-Interest-Bearing Deposit Share ? 30.62%
-2.0% YoY -3.5% QoQ
+8.59% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
84%
Nonperforming Asset Ratio ? 0.25%
+28.5% YoY +30.8% QoQ
-0.42% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
56%
Tier 1 Capital Ratio ? 10.98%
-1.7% YoY +1.1% QoQ
-4.93% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
23%
Non-Interest Income / Assets ? 0.08%
-47.7% YoY +113.2% QoQ
-0.49% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
Bottom 13.1% in tier

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 (IA) National Avg Tier Percentile
Noninterest-Bearing 30.6%
-0.6pp YoY
-1.1pp QoQ
 +8.5pp 22.1% 17.8% 22.2% 84%
Brokered Deposits 3.7%
+3.7pp YoY
0.0pp QoQ
 -4.1pp 7.9% 6.0% 8.5% 44%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 6.6%
-2.8pp YoY
-0.9pp QoQ
 -4.9pp 11.6% 12.8% 12.5% 30%
CRE 30.8%
+2.9pp YoY
+0.9pp QoQ
 -8.7pp 39.5% 28.3% 41.4% 36%
1-4 Family 39.0%
+0.6pp YoY
+0.2pp QoQ
 +6.4pp 32.6% 23.0% 31.3% 68%
Consumer 2.1%
-0.3pp YoY
0.0pp QoQ
 -2.0pp 4.1% 2.9% 5.0% 50%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.4% 19.7% n/a
Leverage Ratio 11.0%
-0.2pp YoY
+0.1pp QoQ
 -1.2pp 12.2% 12.4% 12.6% 50%
Total Capital Ratio n/a n/a 19.9% 16.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 21
+1 (+5.0%) YoY
0 QoQ
 -38 58 64 482 12%
Assets per Employee ($) $7.5M
+3.3% YoY
+0.2% QoQ
 -$46K $7.5M $8.9M $8.8M 60%
Branch Count 3
0 YoY
0 QoQ
 -2 4 5 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.2%
+0.1pp YoY
+0.1pp QoQ
 -0.7pp 0.9% 1.0% 1.0% 32%
Allowance Coverage 4.72x
-47.9% YoY
-38.5% QoQ
 -19.43x 24.15x 18.97x 20.23x 69%
Net Charge-off Rate (YTD) 0.0%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 65%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 12.7%
+2.2pp YoY
+1.4pp QoQ
 +0.5pp 12.2% 12.8% 11.6% 54%
Cost of Funds (YTD) 1.3%
0.0pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.8% 1.7% 23%
Net Income ($, YTD) $1.0M
+30.8% YoY
— QoQ
 -$1.5M $2.6M $4.0M $40.4M 27%

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 (2)

Credit Quality Pressure

risk
#254 of 1256 • Bottom 20.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.23%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#295 of 936 • Bottom 31.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

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

Top Strengths (1 metrics)

432
Non-Interest-Bearing Deposit Share
funding
Value: 30.62%
Peer Median: 22.03%
#432 of 2643 Top 16.3% in $100M-$1B

Top Weaknesses (5 metrics)

2297
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2297 of 2643 Bottom 13.1% in $100M-$1B
2219
Total Assets
size
Value: $156.92M
Peer Median: $386.57M
#2219 of 2643 Bottom 16.1% in $100M-$1B
2211
Total Deposits
size
Value: $133.90M
Peer Median: $326.73M
#2211 of 2643 Bottom 16.4% in $100M-$1B
2091
Total Loans
size
Value: $106.80M
Peer Median: $258.35M
#2091 of 2643 Bottom 20.9% in $100M-$1B
2036
Tier 1 Capital Ratio
capital
Value: 10.98%
Peer Median: 15.91%
#2036 of 2643 Bottom 23.0% in $100M-$1B
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