Hiawatha National Bank: 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 20.5% higher than in Q1 2026, at -$4.1M. Within Wisconsin, Hiawatha National Bank is 30th of 85 on CET1 ratio, 14.86% as of Q2 2026, above the middle of the field. At 14.86%, Hiawatha National Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.86% |
| Tier 1 risk-based capital ratio | 14.86% |
| Total risk-based capital ratio | 16.05% |
| Tier 1 leverage ratio | 10.76% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $83.1M |
| Tier 1 capital | $83.1M |
| Total risk-based capital | $89.7M |
| Total equity capital | $86.8M |
| Risk-weighted assets | $559.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.11% |
| Tangible equity to tangible assets | 10.21% |
| Equity capital to average assets | 11.13% |
| Internal capital growth rate | 7.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $126K |
| Common stock surplus | $42.9M |
| Retained earnings | $47.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.1M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.81% | 10.81% | 11.61% | 9.14% | $581.7M |
| Q4 2023 | 12.75% | 12.75% | 13.67% | 9.13% | $511.9M |
| Q1 2024 | 13.22% | 13.22% | 14.01% | 9.02% | $511.2M |
| Q2 2024 | 13.08% | 13.08% | 13.87% | 9.24% | $532.2M |
| Q3 2024 | 13.37% | 13.37% | 14.20% | 9.25% | $534.4M |
| Q4 2024 | 13.28% | 13.28% | 14.19% | 9.49% | $549.0M |
| Q1 2025 | 13.47% | 13.47% | 14.41% | 9.59% | $553.1M |
| Q2 2025 | 13.76% | 13.76% | 14.74% | 9.79% | $553.8M |
| Q3 2025 | 14.12% | 14.12% | 15.24% | 9.80% | $549.9M |
| Q4 2025 | 14.69% | 14.69% | 15.85% | 10.43% | $542.7M |
| Q1 2026 | 14.93% | 14.93% | 16.09% | 10.65% | $546.2M |
| Q2 2026 | 14.86% | 14.86% | 16.05% | 10.76% | $559.1M |
Hiawatha National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hiawatha National Bank, 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13058) · FFIEC NIC profile (RSSD 505550)