Hiawatha National Bank
Hager City, WI · Cert 13058 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Lake Shore III Corp.
National charter · OCC · 1 affiliate bank · 8 branches (10 in holding)
Q2 2026
$781.3MAssets
$573.5MLoans
$602.1MDeposits
$86.8MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 81% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 10 of 53).
- Widest gap: nonperforming loans / loans trails 98% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 53 of 53).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.88%
Rank 34 of 53
Net Interest Margin
2.92%
Rank 49 of 53
Efficiency Ratio
60.79%
Rank 20 of 53
Equity / Assets
11.11%
Rank 10 of 53
Non-interest income vs. expense
Unfavorable gap of $13.1M · efficiency ratio beats 64% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.73% | 1.11% | 1.30% | Beats 36% | 34 / 53 | |
| Return on Equity | 7.88% | 7.88% | 12.20% | 14.12% | Beats 25% | 40 / 53 | |
| Net Interest Margin | 2.92% | 3.39% | 3.77% | 4.09% | Beats 8% | 49 / 53 | |
| Efficiency Ratio | 60.79% | 56.05% | 65.05% | 71.57% | Beats 64% | 20 / 53 | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.32% | 0.14% | 0.52% | 1.20% | Beats 2% | 53 / 53 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.08% | Beats 40% | 33 / 53 | |
| Capital |
| Tier 1 Capital Ratio | 14.86% | 10.73% | 12.98% | 15.08% | Beats 72% | 15 / 53 | |
| Total Risk-Based Capital Ratio | 16.05% | 11.49% | 13.79% | 16.34% | Beats 72% | 15 / 53 | |
| Equity / Assets | 11.11% | 8.08% | 9.25% | 10.72% | Beats 81% | 10 / 53 | |
| Liquidity & Funding |
| Loans / Deposits | 95.25% | 72.13% | 82.29% | 93.80% | 75th pctl | 13 / 53 | |
| Loans / Assets | 73.40% | 63.64% | 71.80% | 79.37% | 57th pctl | 23 / 53 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |