Hiawatha, IA · Cert 34488 · Country Bcorp
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
51
Profitability
69
Liquidity
99
Efficiency
76
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hiawatha, IA · Cert 34488 · Country Bcorp
State charter, non-member · FDIC · 3 affiliate banks · 3 branches (12 in holding)
Q2 2026
Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 1.5% share · #15 of 35 inst. · $0.1B of $8.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.93% | 1.05% | 1.09% | 1.12% | 1.16% | 1.19% | 1.33% | +24 bps | |
| Return on Equity | 9.13% | 9.40% | 10.24% | 10.52% | 10.73% | 10.99% | 11.30% | 12.70% | +218 bps | |
| Net Interest Margin | 2.96% | 3.07% | 3.43% | 3.51% | 3.54% | 3.56% | 3.93% | 3.91% | +40 bps | |
| Efficiency Ratio | 65.80% | 64.74% | 65.06% | 63.63% | 62.92% | 61.82% | 61.04% | 58.29% | -534 bps | |
| Non-Interest Burden | 1.87% | 1.91% | 2.11% | 2.12% | 2.12% | 2.10% | 2.34% | 2.21% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.11% | 0.96% | 1.40% | 1.63% | 1.65% | 3.22% | 9.96% | 8.48% | +685 bps | |
| Loan Growth (YoY) | -0.43% | 1.77% | 1.02% | 2.40% | 3.45% | 4.66% | 8.11% | 7.40% | +500 bps | |
| Deposit Growth (YoY) | -6.55% | -5.71% | -8.08% | 0.22% | 7.70% | 2.01% | 15.13% | 11.86% | +1,164 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.18% | 0.13% | 0.13% | 0.13% | 0.17% | 0.14% | 0.22% | +9 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0.08% | 0.04% | +5 bps | |
| Allowance / Loans | 1.21% | 1.15% | 1.15% | 1.17% | 1.16% | 1.12% | 1.07% | 1.05% | -12 bps | |
| Allowance Coverage of NPLs | 9.1x | 6.5x | 9.1x | 9.1x | 9.0x | 6.5x | 7.7x | 4.7x | -4.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.76% | 11.15% | 10.91% | 11.17% | 11.01% | 11.16% | 10.85% | 10.98% | -19 bps | |
| Total Risk-Based Capital | 10.76% | 11.15% | 10.91% | 11.17% | 11.01% | 11.16% | 10.85% | 10.98% | -19 bps | |
| Equity / Assets | 10.12% | 10.24% | 10.36% | 10.51% | 10.69% | 10.88% | 10.17% | 10.41% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.45% | 82.78% | 85.10% | 83.96% | 82.07% | 84.94% | 79.91% | 80.61% | -335 bps | |
| Liquid Assets / Assets | 1.15% | 0.62% | 0.66% | 0.59% | 0.45% | 0.46% | 0.44% | 0.52% | -7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 174.55% | 176.96% | 189.16% | n/a | n/a | |
Hiawatha, IA · Cert 34488 · Peer group: banks under $1B in assets (n=581-629) · Country Bcorp
State charter, non-member · FDIC · 3 affiliate banks · 3 branches (12 in holding)
Q2 2026
Return on Assets
1.31%
Rank 204 of 629
Net Interest Margin
3.91%
Rank 194 of 629
Efficiency Ratio
58.29%
Rank 155 of 629
Equity / Assets
10.41%
Rank 342 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.31% | 0.60% | 1.01% | 1.45% | Beats 68% | 204 / 629 | ||
| Return on Equity | 12.54% | 5.38% | 9.30% | 13.28% | Beats 70% | 186 / 629 | ||
| Net Interest Margin | 3.91% | 3.03% | 3.54% | 4.05% | Beats 69% | 194 / 629 | ||
| Efficiency Ratio | 58.29% | 58.35% | 67.79% | 79.08% | Beats 76% | 155 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.46% | 1.20% | Beats 63% | 214 / 581 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 38% | 361 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.98% | 11.24% | 13.84% | 18.77% | Beats 22% | 491 / 629 | ||
| Total Risk-Based Capital Ratio | 10.98% | 11.58% | 14.43% | 19.66% | Beats 19% | 512 / 629 | ||
| Equity / Assets | 10.41% | 9.09% | 10.65% | 13.80% | Beats 46% | 342 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.61% | 67.24% | 80.90% | 93.48% | 50th pctl | 299 / 594 | ||
| Loans / Assets | 68.78% | 53.31% | 67.71% | 78.15% | 52nd pctl | 299 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||