Hiawatha Bank and Trust Company

777 North Center Point Road
Hiawatha, IA 52233

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 34488
Date Established 1997
Assets $0.06 billion
Loans $0.05 billion
Deposits $0.05 billion
Capital $0.01 billion

Hiawatha Bank and Trust Company is an FDIC insured institution located in Hiawatha, IA. It was founded in 1997 and has approximately $0.06 billion in assets.

For a more detailed analysis of Hiawatha Bank and Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Hiawatha Bank and Trust Company’s loan portfolio are 1-4 Family Residential Loans, Construction and Development Loans, and Commercial Real Estate.

Compared to other banks in Iowa, Hiawatha Bank and Trust Company has a significantly higher percent of 1-4 Family Residential Loans, Multifamily Mortgages, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 43.50
Multifamily
Mortgages
5.65
Credit Card Loans 0.00
Consumer Auto Loans 1.13
Small Business Loans 0.00
Construction and Development Loans 17.35
Commercial Real Estate 16.89
Commercial and Industrial Loans 6.30
Farm Loans 5.67

Deposit Rates - August 18, 2018

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.15% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.25% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.40% $1,000 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.10% $2,500 $9,999 Learn MoreShow Less
MM 10K
0.15% $10,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $1,000 - Learn MoreShow Less

Loan Rates - August 18, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Hiawatha Bank and Trust Company

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.325% 4.250% 0.50 $2,354 $1,230 Learn More
PenFed Credit Union
NMLS ID: 401822
4.585% 4.500% 0.00 $2,500 $1,267 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.740% $291.47 Learn More

Note to Hiawatha Bank and Trust Company
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Branches

Hiawatha Bank and Trust Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Hiawatha Bank and Trust Company Locations

Financial Details

Hiawatha Bank and Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Hiawatha Bank and Trust Company. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Hiawatha Bank and Trust Company U.S. Bank Average
0% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2018, Hiawatha Bank and Trust Company had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,868,000 in equity and $571,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Hiawatha Bank and Trust Company U.S. Bank Average
11.19% 9.35%

Hiawatha Bank and Trust Company has a Return on Equity of 11.19% versus the BestCashCow average of 9.35%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Hiawatha Bank and Trust Company U.S. Bank Average
10.3% 12.01%

Hiawatha Bank and Trust Company has a Capitalization of 10.3% versus the BestCashCow average of 12.01. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Hiawatha Bank and Trust Company Balance Sheet Analysis

As of March 31, 2018, Hiawatha Bank and Trust Company had assets of $56,964,000, loans of $51,745,000, and deposits of $45,278,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.05 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.05 billion
LIABILITIES
Total deposits $0.05 billion
      Interest-bearing deposits $0.03 billion
      Deposits held in domestic offices $0.05 billion
      % insured (estimated) 83.28%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.05 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Hiawatha Bank And Trust Company

Branches and Savings

Is Hiawatha Bank And Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #34488.

Why does Hiawatha Bank And Trust Company pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Hiawatha Bank And Trust Company CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Hiawatha Bank And Trust Company a commercial bank?

Yes

Where are Hiawatha Bank And Trust Company locations?

See branch locations nearby.

Is Hiawatha Bank And Trust Company open on Saturdays?

Is Hiawatha Bank And Trust Company open on Sundays?

What time does Hiawatha Bank And Trust Company open?

What time does Hiawatha Bank And Trust Company close?

Are Hiawatha Bank And Trust Company ATMs Open 24/7?

Do Hiawatha Bank And Trust Company ATMs accept cash deposits?

Can Hiawatha Bank And Trust Company customers use other ATMs?

Do Hiawatha Bank And Trust Company branches have notaries?

Will Hiawatha Bank And Trust Company notarize my document?

What address for Hiawatha Bank And Trust Company should I put for incoming ACH transfers?

Will the Hiawatha Bank And Trust Company branch print checks?

Do Hiawatha Bank And Trust Company checks expire?

Does Hiawatha Bank And Trust Company require US citizenship to open account?

Can Hiawatha Bank And Trust Company close my account?

Does Hiawatha Bank And Trust Company Report to credit bureaus?

Does Hiawatha Bank And Trust Company Use Equifax?

What is Hiawatha Bank And Trust Company's ACH Routing Number?

What is Hiawatha Bank And Trust Company's SWIFT code?

Products

Does Hiawatha Bank And Trust Company offer mortgages?

Compare mortgage rates here.

Does Hiawatha Bank And Trust Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Hiawatha Bank And Trust Company offer personal loans?

Compare personal loan rates here.

Does Hiawatha Bank And Trust Company offer student loans?

Will Hiawatha Bank And Trust Company cash a check?

Will Hiawatha Bank And Trust Company redeem a savings bond?

Does Hiawatha Bank And Trust Company cash savings bonds?

Will Hiawatha Bank And Trust Company cash money orders?

Can Hiawatha Bank And Trust Company issue a money order?

Does Hiawatha Bank And Trust Company do currency exchange?

Background on The Bank

Who owns Hiawatha Bank And Trust Company?

How long has Hiawatha Bank And Trust Company been around?

Can Hiawatha Bank And Trust Company transfer to other banks?

Does Hiawatha Bank And Trust Company have quick pay?

Does Hiawatha Bank And Trust Company accept rolled coins?

Will Hiawatha Bank And Trust Company accept loose change?

Where is Hiawatha Bank And Trust Company headquarters?

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