Side-by-side · Q2 2026 data
Union State Bank vs Hiawatha Bank and Trust Company
Metric by metric
| Measure | Union State Bank | Hiawatha Bank and Trust Company |
|---|---|---|
| TellerScore | 71 | 74 (stronger) |
| Capital cushion | 43 | 60 (stronger) |
| Loan quality | 83 | 93 (stronger) |
| Earnings | 77 (stronger) | 73 |
| Funding & liquidity | 83 (stronger) | 60 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 47th | 57th |
| Total assets | $168.7M | $156.9M |
| Deposits / shares | $142.5M | $133.9M |
| Capital ratio | 9.28% | 10.98% (stronger) |
| Problem loans | 0.51% | 0.22% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.04% |
| Return on assets | 1.41% (stronger) | 1.33% |
| Loans ÷ deposits | 73.5% (stronger) | 79.8% |
| Uninsured deposits | 18.0% (stronger) | 33.5% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.2% |
Hiawatha Bank and Trust Company has the higher TellerScore (74 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 4 and Hiawatha Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.