Hiawatha Bank & Trust Company
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
$156.9MAssets
$107.9MLoans
$133.9MDeposits
$16.3MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 76% of banks under $1B in assets (rank 155 of 629).
- Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets (rank 512 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $3.5M · efficiency ratio beats 76% of banks under $1B in assets | 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 |