Hiawatha National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hiawatha National Bank of Hager City, WI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.83% | 1.35% | -0.52% | 24th bottom |
| ROAE | 7.55% | 12.06% | -4.51% | 23rd bottom |
| Net Interest Margin | 2.98% | 3.90% | -0.92% | 9th bottom |
| Efficiency Ratio | 59.13% | 63.15% | -4.02% | 57th above |
| PPNR / Avg Assets | 1.26% | 1.64% | -0.38% | 32nd below |
| Yield on Earning Assets | 5.81% | 5.65% | +0.16% | 59th above |
| Cost of Funds | 3.10% | 1.85% | +1.25% | 4th bottom |
| Net Interest Spread | 2.35% | 3.35% | -1.00% | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 5.33% | 0.92% | +4.41% | 2nd bottom |
| NPA / Total Assets | 3.91% | 0.67% | +3.24% | 2nd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.15% | -0.10% | 26th below |
| ACL / Total Loans | 1.13% | 1.28% | -0.15% | 41st below |
| ACL / NPLs (Coverage) | 21.15% | 1645.83% | -1624.68% | 1st bottom |
| Texas Ratio | 35.75% | 7.14% | +28.61% | 2nd bottom |
| Provision / NCO | 1010.87% | 1189.31% | -178.44% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.86% | 20.83% | -5.97% | 47th below |
| Tier 1 Ratio | 14.86% | 20.87% | -6.01% | 47th below |
| Total Capital Ratio | 16.05% | 21.94% | -5.89% | 48th below |
| Leverage Ratio | 10.76% | 12.46% | -1.70% | 46th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.11% | 11.67% | -0.56% | 61st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.21% | 11.40% | -1.19% | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.25% | 78.64% | +16.61% | 18th bottom |
| Core Deposit Ratio | 65.76% | 87.10% | -21.34% | 3rd bottom |
| Wholesale Funding Ratio | 11.52% | 5.11% | +6.41% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.38% | 6.48% | -6.86% | 17th bottom |
| Loan Growth (Y/Y) | 2.54% | 7.64% | -5.10% | 34th below |
| Deposit Growth (Y/Y) | -0.24% | 6.03% | -6.27% | 22nd bottom |
See Hiawatha National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hiawatha National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Hiawatha National Bank profile, how to read a UBPR, or how this data updates.