Side-by-side · Q2 2026 data
Audubon State Bank vs Hiawatha Bank and Trust Company
Metric by metric
| Measure | Audubon State Bank | Hiawatha Bank and Trust Company |
|---|---|---|
| TellerScore | 78 (stronger) | 74 |
| Capital cushion | 55 | 60 (stronger) |
| Loan quality | 93 | 93 |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 54 | 60 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 72nd | 57th |
| Total assets | $155.3M | $156.9M |
| Deposits / shares | $131.0M | $133.9M |
| Capital ratio | 10.46% | 10.98% (stronger) |
| Problem loans | 0.20% (stronger) | 0.22% |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 2.38% (stronger) | 1.33% |
| Loans ÷ deposits | 93.0% | 79.8% (stronger) |
| Uninsured deposits | 26.7% (stronger) | 33.5% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.2% |
Audubon State Bank has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Audubon State Bank leads on 5 and Hiawatha Bank and Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.