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Hiawatha National Bank

IDRSSD: 505550
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q2QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #505550 2024-Q2 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Watch
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 43.2% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +1

The five pillars

Liquidity

WatchQoQ -6
60
Sub-score

Liquidity is deteriorating: brokered 28.3%, loans/deposits 89.9%, cash 4.9% of assets.

Cash / Assets
4.86%
Loans / Deposits
89.91%
Brokered %
28.34%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ -5
86
Sub-score

Capital position is strong: Tier 1 RBC 13.08%, CET1 13.08%, leverage 9.14%.

Tier 1 RBC
13.08%
CET1
13.08%
Leverage
9.14%
No watch items at this period.

Asset Quality

StrongQoQ +7
91
Sub-score

Asset quality is strong: Adjusted NPL 0.94%, Texas Ratio 6.5%, NCO YTD 0.00%.

Adjusted NPL
0.94%
Govt-guarantees stripped
Texas Ratio
6.5%
NCO YTD
0.00%
30-89 PD
1.03%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +1
25
Sub-score

Reserves are weak: ALLL 0.82% of loans, coverage 87.7%, true coverage 43.2%.

ALLL / Loans
0.82%
Coverage
87.7%
True Loss Coverage
43.2%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.2% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 14:38:55 UTC