Hiawatha National Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Hiawatha National Bank. The Hager City, Wisconsin bank had $781 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.99% of loans from 1.47% a year earlier. It keeps 2.98 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 3.10% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Its $85 million non-owner-occupied commercial real estate book is improving, with 2.38% past due or on nonaccrual, down from 5.81% a year earlier. The commercial and industrial book ($113 million) is worsening: 7.26% of it is past due or on nonaccrual, up from 6.32% a year earlier. Credit is the area to watch: it carries problem assets equal to 20.1% of the capital and reserves that would absorb them, 7.6 times the median of 2.6% for banks its size.
As of June 30, 2026, Hiawatha National Bank reported a CET1 capital ratio of 14.86%, a return on assets of 0.83%, a nonperforming-loan ratio of 5.33% and a Texas ratio of 20.06%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- N1555 770th St, Hager City, WI 54014
- County
- Pierce
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1917
- Offices
- 8 domestic
- Employees (FTE)
- 70
- Domestic deposits
- $602.1M
- Allowance for credit losses
- $6.5M
- Net charge-offs (YTD)
- $46K
- Average total assets
- $779.9M
- Average total loans
- $567.4M
- Average interest-bearing deposits
- $519.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13058
- Fed RSSD
- 505550
- SEC CIK
- 1596430 → filed by LAKE SHORE III CORPORATION
- Website
- www.hnbank.com →
- Parent Holding Company
- LAKE SHORE III CORPORATION (RSSD 4465559)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Hiawatha National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Hiawatha National Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Hiawatha National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Hiawatha National Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.86% | 0.83% | 5.32% | 20.06% | 2.98% |
| Q1 2026 | 14.93% | 0.93% | 4.69% | 19.48% | 3.03% |
| Q4 2025 | 14.69% | 1.06% | 1.67% | 5.90% | 3.57% |
| Q3 2025 | 14.12% | 0.70% | 2.22% | 8.77% | 3.10% |
| Q2 2025 | 13.76% | 0.84% | 2.45% | 10.98% | 3.16% |
| Q1 2025 | 13.47% | 0.79% | 2.46% | 11.85% | 3.07% |
| Q4 2024 | 13.28% | 0.73% | 1.75% | 8.71% | 3.31% |
| Q3 2024 | 13.37% | 0.93% | 1.09% | 4.29% | 3.09% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Glenwood City Branch | Glenwood City , WI | 54013 | $215.3M |
| Hiawatha National Bank Branch | Hudson , WI | 54016 | $83.4M |
| Plymouth Branch | Plymouth , WI | 53073 | $78.7M |
| Monetary Blvd Branch | Hudson , WI | 54016 | $77.0M |
| Hiawatha National Bank (main office) | Hager City , WI | 54014 | $68.1M |
| Hiawatha National Bank Branch | Osceola , WI | 54020 | $57.3M |
| Maiden Rock Branch | Maiden Rock , WI | 54750 | $22.1M |
| Whitehall Branch | Whitehall , WI | 54773 | $213K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 24, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 22, 2020 | Structure Change | Acquired First American Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 28, 1998 | Structure Change | Acquired First National Bank of Glenwood Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Hiawatha National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 4 against the institution (OCC)
- October 22, 2024, OCC: Formal Agreement: Hiawatha National Bank
- April 23, 2007, OCC: Formal Agreement: Hiawatha National Bank
- March 18, 2002, OCC: Formal Agreement: Hiawatha National Bank
- October 4, 1991, OCC: Formal Agreement: Hiawatha National Bank
- Period: Most recent institution action October 22, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in WI, rank 53 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 140 applications, 130 loans originated, $41.2M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 17 loans, $4.5M approved, $262K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Hiawatha National Bank
What are Hiawatha National Bank's total assets?
As of the Q2 2026 filing, Hiawatha National Bank reported total assets of $781.3 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Hiawatha National Bank headquartered?
Hiawatha National Bank is headquartered in Hager City, WI, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Hiawatha National Bank founded?
Hiawatha National Bank was established in 1917, per the FDIC institution directory.
Is Hiawatha National Bank FDIC-insured?
Yes. Hiawatha National Bank is an FDIC-insured commercial bank (FDIC Certificate #13058). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hiawatha National Bank?
Hiawatha National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Hiawatha National Bank's CET1 capital ratio?
Hiawatha National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.86% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Hiawatha National Bank operate?
Hiawatha National Bank operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hiawatha National Bank's Texas Ratio?
Hiawatha National Bank's Texas Ratio is 20.06% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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