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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q4QoQ +4

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

Quarterly Headline

2025-Q4

Bank #505550 2025-Q4 Vital Signs Score: 76/100 — 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 42.7% (Adjusted NPL + Performing Mods denominator).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.82% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +4 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ +14

The five pillars

Liquidity

WatchQoQ -3
56
Sub-score

Liquidity is deteriorating: brokered 21.9%, loans/deposits 96.2%, cash 2.8% of assets.

Cash / Assets
2.82%
Loans / Deposits
96.25%
Brokered %
21.95%

Watch Items

  • infoCash / Assets below 3% — Cash 2.82% of assets (threshold 3%).

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
99
Sub-score

Capital position is strong: Tier 1 RBC 14.69%, CET1 14.69%, leverage 10.33%.

Tier 1 RBC
14.69%
CET1
14.69%
Leverage
10.33%
No watch items at this period.

Asset Quality

StrongQoQ +8
84
Sub-score

Asset quality is strong: Adjusted NPL 1.69%, Texas Ratio 11.0%, NCO YTD 0.22%.

Adjusted NPL
1.69%
Govt-guarantees stripped
Texas Ratio
11.0%
NCO YTD
0.22%
30-89 PD
0.98%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +14
28
Sub-score

Reserves are weak: ALLL 1.07% of loans, coverage 64.2%, true coverage 42.7%.

ALLL / Loans
1.07%
Coverage
64.2%
True Loss Coverage
42.7%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.7% (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