Hiawatha Bank and Trust Company is a state-chartered bank headquartered in Hiawatha, Iowa, in business for about 29 years. At the end of Q2 2026 it reported $156.9M in total assets and $133.9M in deposits, with 3 offices.
Hiawatha Bank and Trust Company has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 105th. Problem-loan coverage contributes the most (96/100, 2.2%); funding & liquidity contributes the least (60/100, 80% loans-to-deposits, 34% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 74).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 72 |
| Q4 2024 | 73 |
| Q1 2025 | 74 |
| Q2 2025 | 75 |
| Q3 2025 | 74 |
| Q4 2025 | 74 |
| Q1 2026 | 74 |
| Q2 2026 | 74 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.90% |
| Q3 2024 | 10.76% |
| Q4 2024 | 11.15% |
| Q1 2025 | 10.91% |
| Q2 2025 | 11.17% |
| Q3 2025 | 11.01% |
| Q4 2025 | 11.16% |
| Q1 2026 | 10.85% |
| Q2 2026 | 10.98% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.13% |
| Q4 2024 | 0.18% |
| Q1 2025 | 0.13% |
| Q2 2025 | 0.13% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.17% |
| Q1 2026 | 0.14% |
| Q2 2026 | 0.22% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.91% |
| Q3 2024 | 0.90% |
| Q4 2024 | 0.93% |
| Q1 2025 | 1.05% |
| Q2 2025 | 1.09% |
| Q3 2025 | 1.12% |
| Q4 2025 | 1.16% |
| Q1 2026 | 1.19% |
| Q2 2026 | 1.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $156.9M | 10.98% | 0.22% | 1.33% | 79.8% |
| Q1 2026 | 74 | $156.7M | 10.85% | 0.14% | 1.19% | 79.1% |
| Q4 2025 | 74 | $148.2M | 11.16% | 0.17% | 1.16% | 84.0% |
| Q3 2025 | 74 | $146.9M | 11.01% | 0.13% | 1.12% | 81.1% |
| Q2 2025 | 75 | $144.6M | 11.17% | 0.13% | 1.09% | 83.0% |
| Q1 2025 | 74 | $142.5M | 10.91% | 0.13% | 1.05% | 84.1% |
| Q4 2024 | 73 | $143.6M | 11.15% | 0.18% | 0.93% | 81.8% |
| Q3 2024 | 72 | $144.5M | 10.76% | 0.13% | 0.90% | 84.4% |
| Q2 2024 | 73 | $142.3M | 10.90% | 0.00% | 0.91% | 81.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Boone Bank & Trust Co.Bank Boone, IA | 48 out of 100, Below average | $156.9M | 9.7% | 2.45% | vs |
| Federation BankBank Washington, IA | 83 out of 100, Strong | $155.8M | 10.5% | 0.20% | vs |
| Audubon State BankBank Audubon, IA | 78 out of 100, Strong | $155.3M | 10.5% | 0.20% | vs |
| Citizens Savings BankBank Spillville, IA | 88 out of 100, Very strong | $151.1M | 15.5% | 0.05% | vs |
| Farmers State BankBank Algona, IA | 76 out of 100, Strong | $150.5M | 12.7% | 0.91% | vs |
| Readlyn Savings BankBank Readlyn, IA | 66 out of 100, Moderate | $148.3M | 19.3% | 3.04% | vs |
Deposit insurance
Is my money safe at Hiawatha Bank and Trust Company?
Yes. Hiawatha Bank and Trust Company is an FDIC-insured institution (FDIC certificate #34488). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 33.5% of deposits ($44.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.98%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Hiawatha Bank and Trust Company lists 3 offices in 3 cities. Most locations:
- Center Point, IA (1)
- Hiawatha, IA (1)
- Walker, IA (1)
HMDA 2025
Mortgage lending
In 2025, Hiawatha Bank and Trust Company reported 45 home-loan applications under HMDA (LEI 549300R3EV7MGYLQ4776): 41 originated ($7,005,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Hiawatha Bank and Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 34488
- RSSD ID
- 2536633
- Primary regulator
- FDIC
- Holding company
- Country Bcorp
- Established
- September 15, 1997
- Headquarters
- 777 N Center Point Rd, Hiawatha, IA 52233
- Website
- www.hiawathabank.com
- Employees
- 21
Quick answers
Hiawatha Bank and Trust Company: common questions
Is Hiawatha Bank and Trust Company FDIC insured?
Yes. Hiawatha Bank and Trust Company is an FDIC-insured institution (FDIC certificate #34488). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Hiawatha Bank and Trust Company's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Hiawatha Bank and Trust Company ever failed?
There is no failure record for FDIC certificate #34488 in the FDIC failed bank list.
How many branches does Hiawatha Bank and Trust Company have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hiawatha
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Metco Credit UnionCredit union Cedar Rapids, IA | 92 out of 100, Very strong | $58.7M | 18.8% | 0.70% | vs |
| Farmers State BankBank Marion, IA | 91 out of 100, Very strong | $1.1B | 14.4% | 0.21% | vs |
| Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA | 87 out of 100, Very strong | $2.9B | 16.9% | 0.54% | vs |
| The Watkins Savings BankBank Watkins, IA | 87 out of 100, Very strong | $86.7M | 14.8% | 0.00% | vs |
| Hills Bank and Trust CompanyBank Hills, IA | 84 out of 100, Strong | $4.8B | 13.4% | 0.40% | vs |
| Atkins Savings Bank & TrustBank Atkins, IA | 83 out of 100, Strong | $172.2M | 11.9% | 0.05% | vs |