Jefferson City, MO · Cert 10619 · Hawthorn Bancshares Inc.
State charter, non-member · FDIC · 18 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
59
Asset Quality
61
Profitability
82
Liquidity
74
Efficiency
54
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.
Jefferson City, MO · Cert 10619 · Hawthorn Bancshares Inc.
State charter, non-member · FDIC · 18 branches
Q2 2026
Market Position · Jefferson City, MO · 2026 SOD (annual) · 7.7% share · #3 of 20 inst. · $0.6B of $7.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.20% | 1.36% | 1.42% | 1.43% | 1.42% | 1.39% | 1.59% | +18 bps | |
| Return on Equity | 12.34% | 12.59% | 14.25% | 14.85% | 15.03% | 14.79% | 14.07% | 15.75% | +90 bps | |
| Net Interest Margin | 3.35% | 3.38% | 3.52% | 3.63% | 3.66% | 3.71% | 3.86% | 3.96% | +33 bps | |
| Efficiency Ratio | 61.99% | 62.08% | 62.07% | 60.14% | 59.45% | 60.00% | 60.39% | 58.57% | -157 bps | |
| Non-Interest Burden | 1.80% | 1.83% | 1.93% | 1.92% | 1.91% | 1.96% | 2.10% | 1.97% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.68% | -2.97% | 2.49% | 1.42% | 6.58% | 3.84% | -1.52% | -5.71% | -713 bps | |
| Loan Growth (YoY) | -5.96% | -4.98% | -3.37% | -2.47% | 3.30% | 1.45% | -1.11% | -3.17% | -71 bps | |
| Deposit Growth (YoY) | -4.35% | -1.86% | 1.39% | -1.14% | 2.01% | 2.01% | -0.74% | -1.18% | -4 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.28% | 0.19% | 0.17% | 0.19% | 0.32% | 0.46% | 0.47% | 0.47% | +28 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.19% | 0.00% | 0.00% | 0.01% | 0.08% | 0.02% | 0.03% | +2 bps | |
| Allowance / Loans | 1.50% | 1.50% | 1.48% | 1.47% | 1.45% | 1.42% | 1.44% | 1.46% | -1 bps | |
| Allowance Coverage of NPLs | 5.4x | 8.0x | 8.9x | 7.8x | 4.5x | 3.1x | 3.1x | 3.1x | -4.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.84% | 10.83% | 11.18% | 11.06% | 10.96% | 10.90% | 10.93% | 11.26% | +20 bps | |
| Total Risk-Based Capital | 14.14% | 14.10% | 14.41% | 14.18% | 13.76% | 14.08% | 14.20% | 14.49% | +30 bps | |
| Equity / Assets | 9.83% | 9.54% | 9.60% | 9.49% | 9.47% | 9.84% | 9.94% | 10.62% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.69% | 94.68% | 94.37% | 95.05% | 97.91% | 94.16% | 94.02% | 93.13% | -192 bps | |
| Liquid Assets / Assets | 1.99% | 1.56% | 4.37% | 4.20% | 4.33% | 4.71% | 4.86% | 0.90% | -330 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 397% | 389% | 381% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.66% | 0.93% | 1.26% | 1.54% | Beats 84% | 28 / 176 | ||
| Return on Equity | 15.60% | 9.26% | 11.89% | 14.46% | Beats 84% | 29 / 176 | ||
| Net Interest Margin | 3.96% | 3.25% | 3.59% | 3.93% | Beats 77% | 40 / 176 | ||
| Efficiency Ratio | 58.57% | 52.79% | 59.55% | 67.66% | Beats 54% | 82 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.30% | 0.64% | 1.32% | Beats 61% | 69 / 176 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.04% | 0.10% | Beats 61% | 69 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.23% | 11.15% | 12.72% | 14.15% | Beats 60% | 70 / 176 | ||
| Total Risk-Based Capital Ratio | 14.49% | 11.81% | 13.63% | 15.33% | Beats 64% | 63 / 176 | ||
| Equity / Assets | 10.62% | 9.16% | 10.35% | 11.80% | Beats 54% | 81 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.13% | 80.94% | 89.73% | 97.21% | 63rd pctl | 65 / 176 | ||
| Loans / Assets | 80.49% | 69.25% | 75.12% | 80.82% | 73rd pctl | 48 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||