Hiawatha Bank & Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 11.16 percentage points higher than in Q2 2026, at 138.63%. Within Iowa, Hiawatha Bank & Trust Company is 116th of 225 on loan-to-deposit ratio, 82.18% as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; Hiawatha Bank & Trust Company reported 82.18% for Q3 2026, nearly level with it; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $110.5M |
| Net loans and leases | $109.3M |
| Loans held for sale | $0 |
| Loans to total assets | 68.48% |
| Loan-to-deposit ratio | 82.18% |
| Net loans to equity capital | 6.89% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.00% |
| Multifamily (5+ residential) | 2.81% |
| Commercial and industrial | 6.95% |
| Consumer | 1.92% |
| Credit cards | 0.00% |
| Farm | 11.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 138.63% |
| Construction concentration (Tier 1 capital + allowance) | 58.42% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 6.30% |
| Interest income on loans | $1.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $97.6M | $127.2M | 17.66% | 8.58% | 2.84% |
| Q1 2024 | $96.9M | $125.1M | 17.99% | 8.98% | 2.83% |
| Q2 2024 | $98.1M | $119.4M | 18.33% | 8.54% | 2.84% |
| Q3 2024 | $97.2M | $113.7M | 18.34% | 8.05% | 2.79% |
| Q4 2024 | $99.3M | $120.0M | 18.45% | 7.84% | 2.81% |
| Q1 2025 | $97.9M | $115.0M | 17.55% | 8.26% | 2.62% |
| Q2 2025 | $100.5M | $119.7M | 17.52% | 9.34% | 2.43% |
| Q3 2025 | $100.5M | $122.5M | 18.10% | 9.39% | 2.46% |
| Q4 2025 | $103.9M | $122.4M | 17.38% | 8.43% | 2.37% |
| Q1 2026 | $105.8M | $132.4M | 19.00% | 7.39% | 2.12% |
| Q2 2026 | $107.9M | $133.9M | 18.65% | 6.55% | 2.09% |
| Q3 2026 | $110.5M | $134.5M | 19.00% | 6.95% | 1.92% |
Hiawatha Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hiawatha Bank & Trust Company, freeSource: Call Report Schedule RC-C, 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)