Hiawatha Bank & Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to total assets fell 0.57 percentage points from Q2 2026 to Q3 2026, ending at 9.84% against 10.41%. It was the largest change among the key lines on this page.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.81% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $17.4M |
| Tier 1 capital | $17.4M |
| Total risk-based capital | — |
| Total equity capital | $15.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 9.84% |
| Tangible equity to tangible assets | 9.84% |
| Equity capital to average assets | 9.89% |
| Internal capital growth rate | 5.04% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $2.8M |
| Retained earnings | $13.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q4 2023 | 10.92% | 9.69% | 9.69% |
| Q1 2024 | 10.71% | 9.64% | 9.64% |
| Q2 2024 | 10.90% | 9.87% | 9.87% |
| Q3 2024 | 10.76% | 10.12% | 10.12% |
| Q4 2024 | 11.15% | 10.24% | 10.24% |
| Q1 2025 | 10.91% | 10.36% | 10.36% |
| Q2 2025 | 11.17% | 10.51% | 10.51% |
| Q3 2025 | 11.01% | 10.69% | 10.69% |
| Q4 2025 | 11.16% | 10.88% | 10.88% |
| Q1 2026 | 10.85% | 10.17% | 10.17% |
| Q2 2026 | 10.98% | 10.41% | 10.41% |
| Q3 2026 | 10.81% | 9.84% | 9.84% |
Hiawatha Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hiawatha Bank & Trust Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Hiawatha Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34488) · FFIEC NIC profile (RSSD 2536633)