Hiawatha Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q3 2026 was in Reserve coverage of non-performing loans: 116.09 percentage points higher than in Q2 2026, at 588.29%. Within Iowa, Hiawatha Bank & Trust Company is 93rd of 225 on return on assets, 1.51% as of Q3 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Hiawatha Bank & Trust Company sits 0.26 points higher, at 1.51% (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.81% |
| Equity capital to assets | 9.84% |
| Tangible equity to tangible assets | 9.84% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.19% |
| Non-performing assets ratio | 0.22% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 2.09% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 588.29% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.51% |
| Return on equity | 15.05% |
| Net interest margin | 4.30% |
| Efficiency ratio | 55.52% |
| Yield on earning assets | 5.56% |
| Cost of funds | 1.41% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 82.18% |
| Core deposits to total deposits | 97.29% |
| Brokered deposits to total deposits | 2.99% |
| Deposits to assets | 83.34% |
| Securities to assets | 28.23% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 10.92% | 0.86% | 3.06% | 0.00% | -0.01% |
| Q1 2024 | 10.71% | 0.82% | 3.08% | 0.00% | -0.01% |
| Q2 2024 | 10.90% | 0.97% | 3.17% | 0.00% | -0.01% |
| Q3 2024 | 10.76% | 0.86% | 3.17% | 0.13% | 0.00% |
| Q4 2024 | 11.15% | 1.03% | 3.44% | 0.13% | -0.01% |
| Q1 2025 | 10.91% | 1.04% | 3.58% | 0.13% | -0.01% |
| Q2 2025 | 11.17% | 1.12% | 3.79% | 0.13% | -0.01% |
| Q3 2025 | 11.01% | 1.17% | 3.89% | 0.13% | -0.01% |
| Q4 2025 | 11.16% | 1.24% | 4.07% | 0.13% | -0.01% |
| Q1 2026 | 10.85% | 1.19% | 4.05% | 0.14% | 0.08% |
| Q2 2026 | 10.98% | 1.46% | 4.11% | 0.22% | 0.01% |
| Q3 2026 | 10.81% | 1.51% | 4.30% | 0.19% | -0.03% |
Hiawatha Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hiawatha Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)