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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 1.28% | 1.36% | 1.46% | 1.47% | 1.36% | 1.39% | 1.80% | +34 bps | |
| Return on Equity | 11.37% | 13.18% | 14.25% | 15.31% | 15.46% | 14.14% | 14.07% | 17.51% | +219 bps | |
| Net Interest Margin | 3.33% | 3.52% | 3.52% | 3.72% | 3.83% | 3.94% | 3.86% | 3.97% | +25 bps | |
| Efficiency Ratio | 60.71% | 62.36% | 62.07% | 58.27% | 58.18% | 61.52% | 60.39% | 56.94% | -133 bps | |
| Non-Interest Burden | 1.72% | 1.91% | 1.93% | 1.91% | 1.93% | 2.17% | 2.10% | 1.80% | -11 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 | 0.17% | 0.01% | 0.00% | 0.01% | 0.01% | 0.30% | 0.02% | 0.04% | +3 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 | |