TellerScore

Hiawatha National Bank (FDIC certificate #13058) is based in Hager City, Wisconsin. Its Q2 2026 call report shows $781.3M in total assets and $602.1M in deposits and 8 offices.

Hiawatha National Bank has a TellerScore of 41 out of 100 (below average) based on Q2 2026 data — higher than only 3% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 151st. Funding & liquidity contributes the most (59/100, 94% loans-to-deposits, 22% uninsured); loan quality contributes the least (0/100, 5.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.76%
Loan quality0/100
Noncurrent loans ÷ total loans: 5.32%
Earnings56/100
Return on assets (annualized): 0.89%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 94.2% · 21.9% uninsured
Problem-loan coverage35/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 32.74%

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

From Q2 2025 to Q2 2026, the score fell 4 points (45 → 41), mostly because the problem-loan coverage component weakened by 32 points.

TellerScore
415161Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202459
Q4 202453
Q1 202545
Q2 202545
Q3 202548
Q4 202554
Q1 202642
Q2 202641
Tier 1 leverage ratio
5.00%7.88%10.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.24%
Q3 20249.25%
Q4 20249.49%
Q1 20259.59%
Q2 20259.79%
Q3 20259.80%
Q4 202510.43%
Q1 202610.65%
Q2 202610.76%
Noncurrent loans
0.94%3.13%5.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.94%
Q3 20241.09%
Q4 20241.75%
Q1 20252.46%
Q2 20252.45%
Q3 20252.22%
Q4 20251.67%
Q1 20264.69%
Q2 20265.32%
Return on assets
0.79%0.97%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.15%
Q3 20241.08%
Q4 20240.99%
Q1 20250.80%
Q2 20250.83%
Q3 20250.79%
Q4 20250.86%
Q1 20260.94%
Q2 20260.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202641$781.3M10.76%5.32%0.89%94.2%
Q1 202642$773.1M10.65%4.69%0.94%93.2%
Q4 202554$756.4M10.43%1.67%0.86%96.2%
Q3 202548$778.2M9.80%2.22%0.79%90.2%
Q2 202545$784.3M9.79%2.45%0.83%91.8%
Q1 202545$777.1M9.59%2.46%0.80%90.8%
Q4 202453$775.8M9.49%1.75%0.99%88.8%
Q3 202459$770.1M9.25%1.09%1.08%89.4%
Q2 202461$751.9M9.24%0.94%1.15%89.9%

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).

Capital ratio10.76%
46th
Total risk-based capital16.05%
74th
Problem loans5.32%
2nd
Net charge-offs0.02%
42nd
Return on assets0.89%
28th
Net interest margin3.09%
12th
Efficiency ratio60.5%
56th
Loans to deposits94.2%
18th
Uninsured deposits21.9%
57th
Loan-loss reserves1.13%
42nd
Texas ratio32.7%
2nd

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Westbury BankBank Waukesha, WI70 out of 100, Strong$771.9M9.2%0.00%vs
Fortifi BankBank Berlin, WI58 out of 100, Moderate$750.4M12.6%2.40%vs
Royal BankBank Elroy, WI79 out of 100, Strong$816.1M10.5%0.06%vs
Bank of Prairie du SacBank Prairie Du Sac, WI88 out of 100, Very strong$744.5M13.7%0.00%vs
The Bank of New GlarusBank New Glarus, WI56 out of 100, Moderate$823.2M9.5%1.99%vs
Chippewa Valley BankBank Hayward, WI74 out of 100, Strong$735.8M8.7%0.22%vs

Deposit insurance

Is my money safe at Hiawatha National Bank?

Yes. Hiawatha National Bank is an FDIC-insured institution (FDIC certificate #13058). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.9% of deposits ($131.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.05% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Hiawatha National Bank lists 8 offices in 7 cities. Most locations:

  • Hudson, WI (2)
  • Glenwood City, WI (1)
  • Hager City, WI (1)
  • Maiden Rock, WI (1)
  • Osceola, WI (1)
  • Plymouth, WI (1)
  • Whitehall, WI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Hiawatha National Bank reported 140 home-loan applications under HMDA (LEI 549300K3JILC7UMYWR39): 130 originated ($41,250,000 total), 3 denied, and 4 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 National Bank
Type
National bank
FDIC certificate #
13058
RSSD ID
505550
Primary regulator
OCC
Holding company
Lake Shore III Corp
Established
January 1, 1917
Headquarters
N1555 770th St, Hager City, WI 54014
Employees
70

Quick answers

Hiawatha National Bank: common questions

Is Hiawatha National Bank FDIC insured?

Yes. Hiawatha National Bank is an FDIC-insured institution (FDIC certificate #13058). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Hiawatha National Bank's TellerScore?

41 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Hiawatha National Bank ever failed?

There is no failure record for FDIC certificate #13058 in the FDIC failed bank list.

How many branches does Hiawatha National Bank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hager City

InstitutionScoreAssetsCapitalProblem loansCompare
Vermillion State BankBank Vermillion, MN90 out of 100, Very strong$931.4M13.4%0.24%vs
Security State Bank of WanamingoBank Wanamingo, MN84 out of 100, Strong$112.7M11.4%0.00%vs
Red Wing Credit UnionCredit union Red Wing, MN83 out of 100, Strong$208.0M12.5%0.30%vs
Bank of AlmaBank Alma, WI83 out of 100, Strong$339.5M50.8%0.97%vs
Westconsin Credit UnionCredit union Menomonie, WI78 out of 100, Strong$2.2B12.9%0.64%vs
First Farmers & Merchants BankBank Cannon Falls, MN77 out of 100, Strong$486.4M10.1%0.01%vs