BlastPoint's Banking Scorecard
Hiawatha National Bank
Community
Specialty: Commercial
WI
FDIC cert 13058
Hager City, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Hiawatha National Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 10% in Community
- - Liquidity Strain: Bottom 33% in Community
- - Capital Constraint: Bottom 72% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$756.4M
-2.5% YoY
-2.8% QoQ
|
-$635.0M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$558.3M
+5.0% YoY
-0.2% QoQ
|
-$417.2M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$580.0M
-3.1% YoY
-6.5% QoQ
|
-$584.6M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
0.86%
-13.5% YoY
+8.7% QoQ
|
-0.30% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
3.35%
+1.6% YoY
+3.6% QoQ
|
-0.32% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
56.56%
+3.8% YoY
-0.4% QoQ
|
-6.08% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
1.69%
-4.6% YoY
-24.7% QoQ
|
+1.06% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
96.25%
+8.3% YoY
+6.7% QoQ
|
+13.19% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
12.76%
+10.8% YoY
+9.3% QoQ
|
-8.28% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
1.24%
+1.2% YoY
-22.6% QoQ
|
+0.75% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
14.69%
+10.6% YoY
+4.0% QoQ
|
+4.44% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.22%
-21.5% YoY
+57.1% QoQ
|
-0.52% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Margin Compression
decline
#13 of 120 · Bottom 10% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.86%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Liquidity Strain
risk
#170 of 513 · Bottom 33% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
96.25%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Capital Constraint
risk
#34 of 47 · Bottom 72% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
96.25%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
14.69%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
74
74th pctile
Tier 1 Capital Ratio
Current: 14.69% · Tier avg: 10.24%
69
69th pctile
Efficiency Ratio
Current: 56.56% · Tier avg: 62.63%
37
37th pctile
Total Loans
Current: $558.3M · Tier avg: $975.5M
33
33th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.66%
32
32th pctile
Total Assets
Current: $756.4M · Tier avg: $1.4B
29
29th pctile
Return on Assets
Current: 0.86% · Tier avg: 1.16%
26
26th pctile
Total Deposits
Current: $580.0M · Tier avg: $1.2B
21
21th pctile
Loan-to-Deposit Ratio
Current: 96.25% · Tier avg: 83.06%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.76% · Tier avg: 21.05%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.24% · Tier avg: 0.50%
13
13th pctile
Delinquency Rate
Current: 1.69% · Tier avg: 0.63%
13
13th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
Top Weaknesses
13
13th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
13
13th pctile
Delinquency Rate
Current: 1.69% · Tier avg: 0.63%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.24% · Tier avg: 0.50%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.76% · Tier avg: 21.05%
21
21th pctile
Loan-to-Deposit Ratio
Current: 96.25% · Tier avg: 83.06%
26
26th pctile
Total Deposits
Current: $580.0M · Tier avg: $1.2B
29
29th pctile
Return on Assets
Current: 0.86% · Tier avg: 1.16%
32
32th pctile
Total Assets
Current: $756.4M · Tier avg: $1.4B
33
33th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.66%
37
37th pctile
Total Loans
Current: $558.3M · Tier avg: $975.5M
69
69th pctile
Efficiency Ratio
Current: 56.56% · Tier avg: 62.63%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.69% · Tier avg: 10.24%