HIAWATHA BANK & TRUST COMPANY

HIAWATHA, IA | Small | Est. Sept. 15, 1997, midnight | FDIC #34488 | RSSD #2536633 | FDIC
Latest Report: 2025-12-31

HIAWATHA BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in HIAWATHA, IA, established in Sept. 15, 1997, midnight. As of 2025-12-31, the bank reported total assets of $148M and total deposits of $122M. Profitability stands at 1.26% ROA and 11.71% ROE, with a net interest margin of 4.18%. The bank's CET1 capital ratio is 10.88%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 1.63%. FDIC Certificate #34488.

Assets

$148M

Deposits

$122M

Loans

$104M

Equity

$16M

Profitability

Return on Assets (ROA) 1.26%
Return on Equity (ROE) 11.71%
Net Interest Margin (NIM) 4.18%
Yield on Assets 5.55%
Cost of Funds 1.43%

Asset Quality

NPL Ratio 0.13%
Net Charge-Off Ratio -0.01%
Texas Ratio 1.63%
NPA Ratio 0.19%
ACL / Loans 1.12%

Capital & Liquidity

CET1 Ratio 10.88%
Tier 1 Capital 10.88%
Total Capital Ratio 11.42%
Leverage Ratio 11.16%
Loan-to-Deposit 84.94%

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