Side-by-side · Q2 2026 data
Hiawatha National Bank vs Farmers and Merchants Union Bank
Metric by metric
| Measure | Hiawatha National Bank | Farmers and Merchants Union Bank |
|---|---|---|
| TellerScore | 41 | 78 (stronger) |
| Capital cushion | 58 (stronger) | 50 |
| Loan quality | 0 | 95 (stronger) |
| Earnings | 56 | 91 (stronger) |
| Funding & liquidity | 59 | 76 (stronger) |
| Problem-loan coverage | 35 | 96 (stronger) |
| Peer percentile | 3rd | 72nd |
| Total assets | $781.3M | $872.1M |
| Deposits / shares | $602.1M | $751.9M |
| Capital ratio | 10.76% (stronger) | 9.97% |
| Problem loans | 5.32% | 0.15% (stronger) |
| Net charge-offs | 0.02% | -0.05% (stronger) |
| Return on assets | 0.89% | 1.76% (stronger) |
| Loans ÷ deposits | 94.2% | 84.5% (stronger) |
| Uninsured deposits | 21.9% | 14.6% (stronger) |
| Offices | 8 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | 9.1% |
Farmers and Merchants Union Bank has the higher TellerScore (78 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Hiawatha National Bank leads on 1 and Farmers and Merchants Union Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.