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Hawthorn Bank

Jefferson City, MO · Cert 10619 · Hawthorn Bancshares Inc.

State charter, non-member · FDIC · 18 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

59

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

82

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

54

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hawthorn Bank

Jefferson City, MO · Cert 10619 · Hawthorn Bancshares Inc.

State charter, non-member · FDIC · 18 branches

Q2 2026

$1.8BAssets
$1.4BLoans
$1.5BDeposits
$186.9MEquity
Loan mix
87%RE $1.2B12%C&I $0.2B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $1.1B30%Noninterest $0.5BQ2 2025Q2 2026

NIM

5.13%Q2 ’245.19%Q2 ’255.37%Q2 ’26+9%+9%

Non-interest income vs. expense

2.52%Q2 ’242.58%Q2 ’252.81%Q2 ’26+5%+2%

Market Position · Jefferson City, MO · 2026 SOD (annual) · 7.7% share · #3 of 20 inst. · $0.6B of $7.7B

9.6% Cole
12.7% Cass
30.2% Henry
2.0% Boone

Executive Summary

  • Earnings: ROA of 1.59%, up 18 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.47% of loans (+28 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 11.26%, up 20 bps from a year ago.
  • Funding: loans stand at 93.13% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.59%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.96%+33 bps YoY

Efficiency Ratio (YTD, annualized)

58.57%-157 bps YoY

Tier 1 Leverage Ratio

11.26%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.43%1.42%1.39%1.59%+18 bps
Return on Equity14.85%15.03%14.79%14.07%15.75%+90 bps
Net Interest Margin3.63%3.66%3.71%3.86%3.96%+33 bps
Efficiency Ratio60.14%59.45%60.00%60.39%58.57%-157 bps
Non-Interest Burden1.92%1.91%1.96%2.10%1.97%+5 bps
Growth
Asset Growth (YoY)1.42%6.58%3.84%-1.52%-5.71%-713 bps
Loan Growth (YoY)-2.47%3.30%1.45%-1.11%-3.17%-71 bps
Deposit Growth (YoY)-1.14%2.01%2.01%-0.74%-1.18%-4 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.32%0.46%0.47%0.47%+28 bps
Net Charge-Offs / Loans0.00%0.01%0.08%0.02%0.03%+2 bps
Allowance / Loans1.47%1.45%1.42%1.44%1.46%-1 bps
Allowance Coverage of NPLs7.8x4.5x3.1x3.1x3.1x-4.7x
Capital
Tier 1 Leverage Ratio11.06%10.96%10.90%10.93%11.26%+20 bps
Total Risk-Based Capital14.18%13.76%14.08%14.20%14.49%+30 bps
Equity / Assets9.49%9.47%9.84%9.94%10.62%+113 bps
Liquidity & Funding
Loans / Deposits95.05%97.91%94.16%94.02%93.13%-192 bps
Liquid Assets / Assets4.20%4.33%4.71%4.86%0.90%-330 bps
CRE / Total Capitaln/a397%389%381%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Hawthorn Bank

Jefferson City, MO · Cert 10619 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Hawthorn Bancshares Inc.

State charter, non-member · FDIC · 18 branches

Q2 2026

$1.8BAssets
$1.4BLoans
$1.5BDeposits
$186.9MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 84% of banks $1B-$10B in assets operating regionally (rank 28 of 176).
  • Widest gap: equity / assets trails 46% of banks $1B-$10B in assets operating regionally (rank 81 of 176).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.66%

Rank 28 of 176

Net Interest Margin

3.96%

Rank 40 of 176

Efficiency Ratio

58.57%

Rank 82 of 176

Equity / Assets

10.62%

Rank 81 of 176

Non-interest income vs. expense

$15.1M$50.9MINCOMEEXPENSE
Unfavorable gap of $35.7M · efficiency ratio beats 54% of banks $1B-$10B in assets operating regionally
Bank 58.57%Peer median 59.6%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.66%0.93%1.26%1.54%Beats 84%28 / 176
Return on Equity15.60%9.26%11.89%14.46%Beats 84%29 / 176
Net Interest Margin3.96%3.25%3.59%3.93%Beats 77%40 / 176
Efficiency Ratio58.57%52.79%59.55%67.66%Beats 54%82 / 176
Asset Quality
Nonperforming Loans / Loans0.47%0.30%0.64%1.32%Beats 61%69 / 176
Net Charge-Offs / Loans0.02%0.01%0.04%0.10%Beats 61%69 / 176
Capital
Tier 1 Capital Ratio13.23%11.15%12.72%14.15%Beats 60%70 / 176
Total Risk-Based Capital Ratio14.49%11.81%13.63%15.33%Beats 64%63 / 176
Equity / Assets10.62%9.16%10.35%11.80%Beats 54%81 / 176
Liquidity & Funding
Loans / Deposits93.13%80.94%89.73%97.21%63rd pctl65 / 176
Loans / Assets80.49%69.25%75.12%80.82%73rd pctl48 / 176
Brokered Deposits / Depositsn/aNot reported for this institution