Hiawatha Bank & Trust Company
Hiawatha, IA · Cert 34488 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Country Bcorp
State charter, non-member · FDIC · 3 affiliate banks · 3 branches (12 in holding)
Q2 2026
$156.9MAssets
$107.9MLoans
$133.9MDeposits
$16.3MEquity
Executive Summary
- Strongest standing: return on assets outperforms 68% of banks under $1B in assets operating in a single state (rank 245 of 755).
- Widest gap: total risk-based capital ratio trails 83% of banks under $1B in assets operating in a single state (rank 625 of 755).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.31%
Rank 245 of 755
Net Interest Margin
3.91%
Rank 291 of 755
Efficiency Ratio
58.29%
Rank 243 of 755
Equity / Assets
10.41%
Rank 400 of 755
Non-interest income vs. expense
Unfavorable gap of $3.5M · efficiency ratio beats 68% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.72% | 1.06% | 1.45% | Beats 68% | 245 / 755 | |
| Return on Equity | 12.54% | 6.66% | 10.44% | 13.61% | Beats 68% | 245 / 755 | |
| Net Interest Margin | 3.91% | 3.15% | 3.68% | 4.17% | Beats 61% | 291 / 755 | |
| Efficiency Ratio | 58.29% | 55.75% | 64.78% | 75.61% | Beats 68% | 243 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.42% | 1.05% | Beats 64% | 273 / 751 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 38% | 471 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 10.98% | 11.56% | 13.81% | 17.74% | Beats 19% | 614 / 755 | |
| Total Risk-Based Capital Ratio | 10.98% | 11.72% | 14.46% | 18.53% | Beats 17% | 625 / 755 | |
| Equity / Assets | 10.41% | 8.93% | 10.56% | 13.13% | Beats 47% | 400 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 80.61% | 62.43% | 78.62% | 91.00% | 54th pctl | 348 / 755 | |
| Loans / Assets | 68.78% | 54.70% | 67.27% | 76.55% | 53rd pctl | 352 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |