Hiawatha Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Hiawatha Bank & Trust Company is an FDIC-insured commercial bank headquartered in Hiawatha, IA, established in 1997 (FDIC certificate 34488), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $156.9M, up 8.5% from Q2 2025, the 160th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.98% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34488
- Headquarters
- Hiawatha, IA
- Established
- 1997
- Total assets, Q2 2026
- $156.9M
- Assets vs Q2 2025
- +8.5%
- Tier 1 leverage ratio, Q2 2026
- 10.98%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 073922607
- Latest call report
- Q2 2026, FFIEC 051 · Hiawatha Bank & Trust Company call report
- Holding company
- COUNTRY BANCORPORATION
- Asset rank in state
- 160th of 225 in Iowa
Hiawatha Bank & Trust Company, based in Hiawatha, Iowa, reported $157 million in assets at June 30, 2026, up 8.5% from a year earlier. It grew deposits 11.9% over the year, about triple the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 1.37% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $571,000, 41% above the same quarter a year earlier. Over the same year, loans grew 7.4% and deposits grew 11.9%.
As of June 30, 2026, Hiawatha Bank & Trust Company reported a return on assets of 1.46%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 2.25%. The figures come from its call report filed with the FFIEC.
Hiawatha Bank & Trust Company ranks as the 160th largest of the 225 banks based in Iowa, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.2% to $156.9M, loans rose 2.0% and deposits rose 1.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 38.6% of total loans, ahead of farmland and other real estate loans at 11.4%. The FDIC Summary of Deposits lists 3 offices for it, in Hiawatha, IA, Walker, IA and Center Point, IA; its Hiawatha office books 41% of its branch deposits. By the capital ratios in its Q2 2026 call report, Hiawatha Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 777 N Center Point Rd, Hiawatha, IA 52233
- County
- Linn
- Metro Area
- Cedar Rapids, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 15, 1997
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $133.9M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $23K
- Average total assets
- $156.2M
- Average total loans
- $106.7M
- Average interest-bearing deposits
- $92.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 15, 1997
- FDIC Cert
- 34488
- Fed RSSD
- 2536633
- Website
- http://www.hiawathabank.com →
- Parent Holding Company
- COUNTRY BANCORPORATION (RSSD 1203910)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Hiawatha Bank & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Hiawatha Bank & Trust Company's total assets moved between a low of $140.5M (Q1 2024) and a high of $156.9M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$156.9M total assets against $144.6M; $140.6M total liabilities against $129.4M.
$106.8M net loans and leases against $99.3M; $133.9M total deposits against $119.7M.
$40.9M securities against $34.7M; $4.7M cash and balances due against $3.1M.
$2.0M total interest income against $1.8M; $483K total interest expense against $445K.
$1.6M net interest income against $1.3M.
$67K total noninterest income against $98K; $902K total noninterest expense against $875K.
No provision recorded in the last 12 quarters.
$571K net income against $406K.
1.46% return on assets against 1.12%; 4.11% net interest margin against 3.79%.
10.98% tier 1 leverage ratio against 11.17%.
Inside the full Hiawatha Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHiawatha Bank & Trust Company rankings
Its closest position to the top of a national ranking is 1,303 of 3,606, for efficiency ratio; its furthest is 3,242 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.86% (Q3 2024) to 1.46% (Q2 2026) and its net interest margin ran from 3.17% (Q3 2024) to 4.11% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.98% | 1.46% | 0.22% | 2.25% | 4.11% |
| Q1 2026 | 10.85% | 1.19% | 0.14% | 1.76% | 4.05% |
| Q4 2025 | 11.16% | 1.24% | 0.17% | 1.91% | 4.07% |
| Q3 2025 | 11.01% | 1.17% | 0.13% | 1.67% | 3.89% |
| Q2 2025 | 11.17% | 1.12% | 0.13% | 1.72% | 3.79% |
| Q1 2025 | 10.91% | 1.04% | 0.13% | 1.73% | 3.58% |
| Q4 2024 | 11.15% | 1.03% | 0.18% | 2.06% | 3.44% |
| Q3 2024 | 10.76% | 0.86% | 0.13% | 1.78% | 3.17% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Hiawatha Bank and Trust Company | Hiawatha , IA | 52233 | $54.6M |
| Walker Branch | Walker , IA | 52352 | $40.1M |
| Center Point Branch | Center Point , IA | 52213 | $39.1M |
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 |
|---|---|---|---|
| December 10, 2022 | Structure Change | Acquired Walker State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 9, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 13, 2020 | Structure Change | Acquired Center Point Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 12, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it. These actions name the parent holding company, COUNTRY BANCORPORATION, not the bank itself
- Period: Most recent action April 1, 2016. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in IA, rank 178 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 46 applications, 41 loans originated, $7.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $142K approved, $142K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Hiawatha Bank & Trust Company
What are Hiawatha Bank & Trust Company's total assets?
As of the Q2 2026 filing, Hiawatha Bank & Trust Company reported total assets of $156.9 million in its FFIEC call report.
Where is Hiawatha Bank & Trust Company headquartered?
It is headquartered in Hiawatha, IA, United States.
When was Hiawatha Bank & Trust Company founded?
It was established in 1997, per the FDIC institution directory.
Is Hiawatha Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34488). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hiawatha Bank & Trust Company?
Hiawatha Bank & Trust Company's primary federal regulator is the FDIC.
How many branches does Hiawatha Bank & Trust Company operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hiawatha Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 2.25% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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