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Hiawatha National Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q3QoQ +3

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

Quarterly Headline

2025-Q3

Bank #505550 2025-Q3 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.3% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 42.2% (regulatory soft-warning level 50%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.24% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ 0

The five pillars

Liquidity

WatchQoQ +2
59
Sub-score

Liquidity is deteriorating: brokered 25.3%, loans/deposits 90.3%, cash 3.9% of assets.

Cash / Assets
3.93%
Loans / Deposits
90.30%
Brokered %
25.30%
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 +3
96
Sub-score

Capital position is strong: Tier 1 RBC 14.20%, CET1 14.20%, leverage 9.76%.

Tier 1 RBC
14.20%
CET1
14.20%
Leverage
9.76%
No watch items at this period.

Asset Quality

StableQoQ +8
76
Sub-score

Asset quality is stable: Adjusted NPL 2.24%, Texas Ratio 15.0%, NCO YTD 0.00%.

Adjusted NPL
2.24%
Govt-guarantees stripped
Texas Ratio
15.0%
NCO YTD
0.00%
30-89 PD
1.65%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.24% (govt-guarantees stripped).

Reserves

RiskQoQ 0
14
Sub-score

Reserves are weak: ALLL 0.93% of loans, coverage 42.2%, true coverage 29.3%.

ALLL / Loans
0.93%
Coverage
42.2%
True Loss Coverage
29.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 42.2% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.3% (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