Hawthorn Bank
Jefferson City, MO · Cert 10619 · Peer group: banks $1B-$10B in assets operating regionally (n=174) · 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 27 of 174).
- Widest gap: efficiency ratio trails 48% of banks $1B-$10B in assets operating regionally (rank 85 of 174).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.66%
Rank 27 of 174
Net Interest Margin
3.96%
Rank 38 of 174
Efficiency Ratio
58.57%
Rank 85 of 174
Equity / Assets
10.62%
Rank 78 of 174
Non-interest income vs. expense
Unfavorable gap of $35.7M · efficiency ratio beats 52% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.66% | 0.93% | 1.27% | 1.52% | Beats 84% | 27 / 174 | |
| Return on Equity | 15.60% | 9.26% | 11.89% | 14.41% | Beats 84% | 28 / 174 | |
| Net Interest Margin | 3.96% | 3.22% | 3.56% | 3.91% | Beats 78% | 38 / 174 | |
| Efficiency Ratio | 58.57% | 51.59% | 59.21% | 67.02% | Beats 52% | 85 / 174 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.29% | 0.60% | 1.18% | Beats 59% | 72 / 174 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 60% | 71 / 174 | |
| Capital |
| Tier 1 Capital Ratio | 13.23% | 11.19% | 12.82% | 14.11% | Beats 59% | 72 / 174 | |
| Total Risk-Based Capital Ratio | 14.49% | 11.81% | 13.70% | 15.33% | Beats 63% | 65 / 174 | |
| Equity / Assets | 10.62% | 9.15% | 10.31% | 11.72% | Beats 55% | 78 / 174 | |
| Liquidity & Funding |
| Loans / Deposits | 93.13% | 80.93% | 90.31% | 97.12% | 63rd pctl | 64 / 174 | |
| Loans / Assets | 80.49% | 69.01% | 75.52% | 80.85% | 72nd pctl | 48 / 174 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |