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
Unfavorable gap of $35.7M · efficiency ratio beats 54% 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% | 1.26% | 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 |