Hiawatha Bank & Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 10.98% +1.98 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $17.1M | 17,144 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $156.2M | 156,182 | RCOAA224 |
| Recomputed ratio | 10.98% | numerator / denominator | |
| Filed ratio | 10.98% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.98 pp | $3.1M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 3,925 | 3,925 | 3,925 | 3,925 | 3,925 | 3,925 | RCOAP742 |
| Retained earnings | 13,219 | 12,648 | 12,795 | 12,329 | 12,297 | 11,891 | RCOAKW00 |
| Accumulated other comprehensive income | (809) | (639) | (595) | (545) | (1,016) | (1,055) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 16,335 | 15,934 | 16,125 | 15,709 | 15,206 | 14,761 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 809 | 639 | 595 | 545 | 1,016 | 1,055 | P859 - P840 |
| Common equity Tier 1 capital | 17,144 | 16,573 | 16,720 | 16,254 | 16,222 | 15,816 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 17,144 | 16,573 | 16,720 | 16,254 | 16,222 | 15,816 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 156,182 | 152,716 | 149,876 | 147,600 | 145,248 | 144,975 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 10.98% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 10.85% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 11.16% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.01% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.17% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.91% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.15% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.76% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.90% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.71% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.92% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 10.57% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Hiawatha Bank & Trust Company (this bank) | CBLR | NA | NA | NA | 10.98% | |
| Boone Bank & Trust Co. | $156.9M | Risk-based | 13.53% | 13.53% | 14.53% | 9.72% |
| First National Bank, Cortez | $156.9M | Risk-based | 15.00% | 15.00% | 16.25% | 9.98% |
| Philo Exchange Bank | $156.6M | CBLR | NA | NA | NA | 10.18% |
| Freedom Bank | $157.3M | CBLR | NA | NA | NA | 12.25% |
| The Peoples Savings and Loan Company | $157.4M | CBLR | NA | NA | NA | 20.34% |
| Synovus Trust Company, N.A. | $157.4M | Risk-based | 115.13% | 115.13% | 115.13% | 97.11% |
| Oakwood Bank | $156.4M | Risk-based | 10.29% | 10.29% | 11.34% | 8.48% |
| Farmers State Bank | $156.2M | Risk-based | 18.09% | 18.09% | 19.36% | 13.92% |
| Commonwealth Community Bank, Inc. | $157.7M | CBLR | NA | NA | NA | 14.71% |
| Peer 25th percentile | 13.53% | 13.53% | 14.53% | 9.98% | ||
| Peer median | 15.00% | 15.00% | 16.25% | 12.25% | ||
| Peer 75th percentile | 18.09% | 18.09% | 19.36% | 14.71% | ||
| This bank's percentile | NA | NA | NA | 44 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/2536633/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.