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Hawthorn Bank
Jefferson City, MO · FDIC Certificate #10619 · Chartered 01/0
Total assets
$1.76B
Total deposits
$1.52B
Total equity
$186.86M
Net loans
$1.40B
Branches (offices)
18
Net income (YTD)
$14.58M
Rank: #656 of 4,213 U.S. banks by assets · #22 of 190 in Missouri. Assets changed -5.7% and deposits -1.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.59% |
| Return on equity | 15.75% |
| Net interest margin (YTD) | 4.19% |
| Equity to assets | 10.62% |
| Tier 1 leverage ratio | 11.26% |
| Uninsured deposits (share of deposits) | 20.4% |
| Noncurrent loans (share of loans) | 0.47% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 91.8% |
| Real estate loans (share of loans) | 86.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.21B | 86.8% | |
| Commercial & industrial | $156.04M | 11.2% | |
| Consumer / individual | $9.25M | 0.7% | |
| Construction & development | $128.22M | 9.2% | |
| Agricultural | $13.50M | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.78B | $1.53B | $11.85M | $167.01M |
| Jun 2023 | $1.89B | $1.55B | $6.95M | $168.72M |
| Jun 2024 | $1.84B | $1.56B | $11.13M | $172.00M |
| Jun 2025 | $1.87B | $1.54B | $13.11M | $177.08M |
| Jun 2026 | $1.76B | $1.52B | $14.58M | $186.86M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $1.51B | 17 |
| Kansas | $9.35M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.52B.
Similar-sized banks
First Farmers And Merchants Bank ($1.76B) · Chelsea Groton Bank ($1.75B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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