| Metric | Hiawatha National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +4.9% | -5.3 pts |
| Deposit growth (YoY) | -0.2% | +4.3% | -4.6 pts |
| Loan growth (YoY) | +2.3% | +5.3% | -3.0 pts |
| ROA | 0.89% | 1.28% | -0.4 pts |
| ROE | 8.1% | 12.4% | -4.4 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $781.3M | $602.1M | $567.1M | $86.8M | $3.4M | 0.89% | 3.09% | 3.91% |
| Q1 2026 | $773.1M | $596.2M | $555.8M | $84.2M | $1.8M | 0.94% | 3.11% | 3.41% |
| Q4 2025 | $756.4M | $580.0M | $558.3M | $83.0M | $6.7M | 0.86% | 3.35% | 1.24% |
| Q3 2025 | $778.2M | $620.0M | $559.3M | $80.3M | $4.6M | 0.79% | 3.23% | 1.61% |
| Q2 2025 | $784.3M | $603.6M | $554.1M | $77.7M | $3.2M | 0.83% | 3.21% | 1.75% |
| Q1 2025 | $777.1M | $598.0M | $543.1M | $76.0M | $1.6M | 0.80% | 3.18% | 1.75% |
| Q4 2024 | $775.8M | $598.7M | $531.9M | $73.9M | $7.5M | 0.99% | 3.29% | 1.23% |
| Q3 2024 | $770.1M | $580.0M | $518.6M | $73.2M | $6.1M | 1.08% | 3.25% | 0.76% |
Loan mix (Q2 2026): real estate $438.2M · commercial $112.6M · consumer $1.5M · securities $151.4M
| Ratio | Hiawatha National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 1.28% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 12.4% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.5% | 61.2% | 48th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Hiawatha National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Hiawatha National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Hiawatha National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Hiawatha National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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