Hiawatha National Bank
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Data as of · sourced from FFIEC call reports. How we update
Hiawatha National Bank is an FDIC-insured commercial bank headquartered in Hager City, WI, established in 1917 (FDIC certificate 13058), and it is supervised by the OCC. At Q2 2026 it reported total assets of $781.3M, down 0.4% from Q2 2025, the 40th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 14.86% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 13058
- Headquarters
- Hager City, WI
- Established
- 1917
- Total assets, Q2 2026
- $781.3M
- Assets vs Q2 2025
- -0.4%
- CET1 ratio, Q2 2026
- 14.86%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 091809362
- Latest call report
- Q2 2026, FFIEC 051 · Hiawatha National Bank call report
- Holding company
- LAKE SHORE III CORPORATION
- Asset rank in state
- 40th of 153 in Wisconsin
Problem loans are rising at Hiawatha National Bank. The Hager City, Wisconsin bank had $781 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.99% of loans from 1.47% a year earlier. It keeps 2.98 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 3.10% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Its $85 million non-owner-occupied commercial real estate book is improving, with 2.38% past due or on nonaccrual, down from 5.81% a year earlier. The commercial and industrial book ($113 million) is worsening: 7.26% of it is past due or on nonaccrual, up from 6.32% a year earlier. Credit is the area to watch: it carries problem assets equal to 20.1% of the capital and reserves that would absorb them, 7.6 times the median of 2.6% for banks its size.
As of June 30, 2026, Hiawatha National Bank reported a CET1 capital ratio of 14.86%, a return on assets of 0.83%, a nonperforming-loan ratio of 5.32% and a Texas ratio of 20.06%. The figures come from its call report filed with the FFIEC.
Hiawatha National Bank ranks as the 40th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.1% to $781.3M, loans rose 2.1% and deposits rose 1.0%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 27.4% of total loans, ahead of commercial and industrial loans at 19.6%. The FDIC Summary of Deposits lists 8 offices for it, in 7 cities in WI; its Glenwood City office books 36% of its branch deposits. On its Q2 2026 call report, Hiawatha National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- N1555 770th St, Hager City, WI 54014
- County
- Pierce
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1917
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 70
- Domestic deposits
- $602.1M
- Allowance for credit losses
- $6.5M
- Net charge-offs (YTD)
- $46K
- Average total assets
- $779.9M
- Average total loans
- $567.4M
- Average interest-bearing deposits
- $519.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13058
- Fed RSSD
- 505550
- SEC CIK
- 1596430 → filed by LAKE SHORE III CORPORATION
- Website
- www.hnbank.com →
- Parent Holding Company
- LAKE SHORE III CORPORATION (RSSD 4465559)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Hiawatha National Bank's total assets ran between $690.7M (Q3 2023) and $784.3M (Q2 2025), 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
$781.3M total assets against $784.3M; $694.5M total liabilities against $706.6M.
$567.1M net loans and leases against $554.1M; $602.1M total deposits against $603.6M.
$151.4M securities against $165.6M; $26.6M cash and balances due against $29.1M.
$10.9M total interest income against $11.5M; $5.3M total interest expense against $5.5M.
$5.6M net interest income against $6.0M.
$435K total noninterest income against $398K; $3.6M total noninterest expense against $3.5M.
$395K provision for credit losses against $850K.
$1.6M net income against $1.7M.
0.83% return on assets against 0.84%; 2.98% net interest margin against 3.16%.
14.86% CET1 capital ratio against 13.76%; 10.76% tier 1 leverage ratio against 9.79%.
Inside the full Hiawatha National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Hiawatha National Bank rankings
Its closest position to the top of a national ranking is 170 of 3,640, for Texas Ratio; its furthest is 2,843 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.70% (Q3 2025) to 1.06% (Q4 2025) and its net interest margin ran from 2.98% (Q2 2026) to 3.57% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.86% | 0.83% | 5.32% | 20.06% | 2.98% |
| Q1 2026 | 14.93% | 0.93% | 4.69% | 19.48% | 3.03% |
| Q4 2025 | 14.69% | 1.06% | 1.67% | 5.90% | 3.57% |
| Q3 2025 | 14.12% | 0.70% | 2.22% | 8.77% | 3.10% |
| Q2 2025 | 13.76% | 0.84% | 2.45% | 10.98% | 3.16% |
| Q1 2025 | 13.47% | 0.79% | 2.46% | 11.85% | 3.07% |
| Q4 2024 | 13.28% | 0.73% | 1.75% | 8.71% | 3.31% |
| Q3 2024 | 13.37% | 0.93% | 1.09% | 4.29% | 3.09% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Glenwood City Branch | Glenwood City , WI | 54013 | $215.3M |
| Hiawatha National Bank Branch | Hudson , WI | 54016 | $83.4M |
| Plymouth Branch | Plymouth , WI | 53073 | $78.7M |
| Monetary Blvd Branch | Hudson , WI | 54016 | $77.0M |
| Hiawatha National Bank (main office) | Hager City , WI | 54014 | $68.1M |
| Hiawatha National Bank Branch | Osceola , WI | 54020 | $57.3M |
| Maiden Rock Branch | Maiden Rock , WI | 54750 | $22.1M |
| Whitehall Branch | Whitehall , WI | 54773 | $213K |
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 |
|---|---|---|---|
| August 24, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 22, 2020 | Structure Change | Acquired First American Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 28, 1998 | Structure Change | Acquired First National Bank of Glenwood Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
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
- 4 against the institution (OCC)
- October 22, 2024, OCC: Formal Agreement: Hiawatha National Bank
- April 23, 2007, OCC: Formal Agreement: Hiawatha National Bank
- March 18, 2002, OCC: Formal Agreement: Hiawatha National Bank
- October 4, 1991, OCC: Formal Agreement: Hiawatha National Bank
- Period: Most recent institution action October 22, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in WI, rank 53 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 140 applications, 130 loans originated, $41.2M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 17 loans, $4.5M approved, $262K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 National Bank
What are Hiawatha National Bank's total assets?
As of the Q2 2026 filing, Hiawatha National Bank reported total assets of $781.3 million in its FFIEC call report.
Where is Hiawatha National Bank headquartered?
It is headquartered in Hager City, WI, United States.
When was Hiawatha National Bank founded?
It was established in 1917, per the FDIC institution directory.
Is Hiawatha National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13058). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hiawatha National Bank?
Hiawatha National Bank's primary federal regulator is the OCC.
What is Hiawatha National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.86% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Hiawatha National Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hiawatha National Bank's Texas Ratio?
Its Texas Ratio is 20.06% 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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