# HIAWATHA NATIONAL BANK
HAGER CITY, WI · FDIC certificate 13058 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $781.3M | |
| Deposits | $602.1M | |
| Loans and leases | $573.5M | |
| Total equity | $86.8M | |
| Loans / deposits | 94.18% (p80 of band) | 82.04% |
| Liquid assets / assets | 22.78% (p43 of band) | |
| Uninsured deposits / deposits | 21.88% (p36 of band) | 25.97% |
| Brokered deposits | 17.60% | |
| Wholesale funding | 29.12% (p97 of band) | |
| FHLB advances / assets | 11.52% | |
| Tier 1 leverage | 10.76% (p49 of band) | 10.81% |
| Unrealized securities loss / equity | -6.15% (p57 of band) | -8.10% |
| AOCI / equity | 0.52% (p92 of band) | |
| ROA (annualized) | 0.89% (p26 of band) | 1.28% |
| Net interest margin | 3.09% (p12 of band) | 3.91% |
| Efficiency ratio | 60.49% (p47 of band) | |
| Noncurrent loans | 5.32% (p98 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p57 of band) | |
| Reserve coverage of noncurrent | 21.16% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 64.23% (p67 of band) | |
| Auto loans | $174,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.2% | |
| Employees | 70 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | losing money, expense ratio p90 |  |
| 2012-06 | 5 | brokered >10%, capital falling |  |
| 2012-09 | 5 | wholesale funding >15% | losing money |
| 2012-12 | 5 | uninsured deposits leaving | expense ratio p90 |
| 2013-03 | 4 | expense ratio p90 | reserve under noncurrent, uninsured deposits leaving |
| 2013-06 | 5 | reserve under noncurrent |  |
| 2013-09 | 6 | losing money |  |
| 2013-12 | 3 |  | capital falling, expense ratio p90, losing money |
| 2014-03 | 5 | noncurrent p90, uninsured deposits leaving |  |
| 2014-06 | 6 | capital falling |  |
| 2014-09 | 4 |  | noncurrent p90, uninsured deposits leaving |
| 2014-12 | 3 |  | capital falling |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 4 | capital falling |  |
| 2015-12 | 3 |  | reserve under noncurrent |
| 2016-03 | 3 |  |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 3 | uninsured deposits leaving |  |
| 2016-12 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2017-03 | 6 | capital falling |  |
| 2017-06 | 6 | charge-offs p90 | uninsured deposits leaving |
| 2017-09 | 5 |  | capital falling |
| 2017-12 | 4 |  | charge-offs p90 |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 3 |  | noncurrent p90 |
| 2019-03 | 2 |  | reserve under noncurrent |
| 2019-06 | 3 | reserve under noncurrent |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | capital falling |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 4 | loans exceed deposits | brokered >10% |
| 2020-09 | 3 |  | capital falling |
| 2020-12 | 2 |  | loans exceed deposits |
| 2021-03 | 4 | brokered >10%, capital falling |  |
| 2021-06 | 3 |  | capital falling |
| 2021-09 | 3 | noncurrent p90 | wholesale funding >15% |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | wholesale funding >15% | noncurrent p90 |
| 2022-06 | 4 | capital falling |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | capital falling |
| 2023-03 | 4 | deposits shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2023-06 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2023-09 | 2 |  |  |
| 2023-12 | 4 | capital falling, reserve under noncurrent |  |
| 2024-03 | 5 | charge-offs p90 |  |
| 2024-06 | 4 |  | capital falling |
| 2024-09 | 4 |  |  |
| 2024-12 | 5 | noncurrent p90 |  |
| 2025-03 | 5 |  |  |
| 2025-06 | 5 |  |  |
| 2025-09 | 5 |  |  |
| 2025-12 | 3 |  | charge-offs p90, noncurrent p90 |
| 2026-03 | 4 | noncurrent p90 |  |
| 2026-06 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-01 [Woman charged with using fake military ID in bank fraud - Pierce County Journal](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNTHRWQWJnTGszLXVmbHdlOU9DUUs4SVhyWkNhRjREZ2luNXVlb1Z4VnZKWjNhNFY3VFFuX3JqQVZRdVJ0a09handOcUJHbXhlSXBCUmhpRG42WUhVVS14NVJ5blY3U0xDQ3BITUs4M19hb0RQRWpTVzNSVldtdmRvMzdCLUI3TDNtMl9IOThsMkxlSVN5amc1SGpEQndiUEJFYW1vTWpXSGFlOTA?oc=5) · Pierce County Journal
- 2009-07-28 [Meissers 'come home' to Hiawatha National - republicaneagle.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxNOXJ3dkdoR0h4WmU5bk1UdFVodlhjd3RuRWVsQlM2blN2dzBJYXZhOHdVdXJUNEE1TTBvQVNETXZPY3ZGTEFHOG1zSW45dkhVSS1LWENPWGV2WkJLWjh1RE1TVWN5N21BalBFYWsyYzNJRmdxYV9KanNVR1hkSWFHdFQtT29FaXhzd0kwWmtMS3FfR0NvOVJqYTB3SzJqMXoxY2ZtclMtdU1FcnNBd291UV9UVFh3Y0c0Mk1qYUx5U25jd2JVUE1JaFln?oc=5) · republicaneagle.com
- 2020-11-03 [Obituary for Susan Louise "Susie" Kircher - Goodrich Funeral Home](https://news.google.com/rss/articles/CBMiXkFVX3lxTFB6SVZSR2FWQVlJbEV3b1ZsMU1aR0VKMXA1dk5PZlc3aGFlalE5SXZNRjEtUExvRlhscDB5UFBUSGsyVHZjVlYxYmRZcGtIaHdEaDFXYWFkaDdsNGtkWGc?oc=5) · Goodrich Funeral Home
- 2025-03-14 [Diana Oskey Obituary Mar 14, 2025 - mahnfamilyfuneralhome.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFBWSDJTUU02TGtVU1g5cGFXa0tJZndaXzZzNXJsUjJZV3ZvbS1ONC1QNGlyak43bE9OVVBoNmlqTnVZOF96S3k5S0tfZE90aG9Zb2FXb3NmRFVJN0hBNnRSX3dTRmVxNFo0TURCVA?oc=5) · mahnfamilyfuneralhome.com
- 2025-03-19 [First National Bank of RF announces new Senior VP-CFO - Pierce County Journal](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQWGl4MllXbm5nbXQwU0dwMDg0MkEydTUycDJ0Q2hWTjBLV1Z1NVJ1bm1Ed0NtVGtQSm9QLUVucXNIN3lTcFN3eWh0T1JGSjEyekVib3pyd2Z6NVVxaEdtcW1jMS1Rb0lvMU45QUNCREhRb29KaWNjazN5RHFVR19Uc0hDZTdFZXphS3RfWnZRVGRIZ3BJZ1BpV3BaZkxycFl1aXFHREhEbjc?oc=5) · Pierce County Journal
- 2017-01-10 [Ridgestone was state's top bank SBA lender in 2016 - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMirgFBVV95cUxQUndsM25HZm40UHctM2ptY0c5QmVORWF0X00wYjBNWjhMcXpvMjVyYUZEZFlocXNGVDViVkhUZmJPVWktcmR2cy10a3A3bWR5bVIxTHBwZWJRd0dlYlEyazlrTm9LbXNOMjAxNFZUbEdYUUhvOGF4Zkx5NTFhR1pPNDNVWW01cVBremhmSlZrSkNzb3NlVTZ4V0hBQ1VDT09yeGNTT1htRW01dS1iMkE?oc=5) · Milwaukee Journal Sentinel
- 2014-02-05 [Jeff Lynn Oskey Obituary Feb 5, 2014 - mahnfamilyfuneralhome.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE52aHk1bl81SGswdTRIaWhqZVREUzdyb3pSM1VPNmVudFE1MGY1cl9YeF9wOVpyT0V0NGdBNENrZ1NpejczY3lLYWh3SGw5RExuc0UxUDJsekJOSDJDM29ISlJoeDEtT05HbjFN?oc=5) · mahnfamilyfuneralhome.com
- 2021-12-06 [Tammany Howie Obituary (2021) - Luck, WI - Leader Telegram - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxQMFhaWjlrVExlelpJbUdpT3J2aGlqZHlvYjZ0U3FFMW1SU2xhRWNkMHJDZGpSZzRNRnNlbGVMRU5zQWhvR08zbEVpM005U08tRmFXcl8wS3d3S3R4cW5nNWZEVGwySFlJMjRhM0dJVlkzbnUyWWRsblFieFFIZEU0b2xfcnRNbVJraWpBaEZpVS1RTzdMNkE?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13058 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/2.json (key "13058", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide