Bank Comparison
Hawthorn Bank vs Bank of Clarke
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 9
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Hawthorn Bank | Bank of Clarke |
|---|---|---|
| CET1 Ratio | 12.94% | 14.47% |
| Tier 1 Capital Ratio | 12.94% | 14.47% |
| Total Capital Ratio | 14.19% | 15.62% |
| Tier 1 Leverage Ratio | 10.93% | 11.94% |
| Equity / Assets | 9.94% | 11.88% |
Profitability
| Metric | Hawthorn Bank | Bank of Clarke |
|---|---|---|
| Return on Assets (ROA) | 1.40% | 0.87% |
| Return on Equity (ROE) | 14.07% | 7.51% |
| Net Interest Margin (NIM) | 4.12% | 3.65% |
| Yield on Earning Assets | 5.60% | 5.35% |
| Cost of Funds | 1.57% | 1.86% |
Asset quality
| Metric | Hawthorn Bank | Bank of Clarke |
|---|---|---|
| Texas Ratio | 3.36% | 7.01% |
| Non-Performing Loan Ratio | 0.47% | 1.11% |
| Non-Performing Asset Ratio | 0.37% | 0.89% |
| Net Charge-Off Ratio | 0.02% | -0.01% |
| ACL / Loans | 1.44% | 1.18% |
Balance sheet
| Metric | Hawthorn Bank | Bank of Clarke |
|---|---|---|
| Total Assets | $1,842M | $1,838M |
| Total Deposits | $1,546M | $1,599M |
| Total Loans | $1,454M | $1,464M |
| Total Equity | $183,114K | $218,318K |
| Net Income (quarter) | $6,479K | $4,088K |
Liquidity & funding
| Metric | Hawthorn Bank | Bank of Clarke |
|---|---|---|
| Loan-to-Deposit Ratio | 94.02% | 91.53% |
| Core Deposit Ratio | 93.98% | 89.17% |
| Uninsured Deposit Ratio | 22.15% | 26.26% |
Identity
| Metric | Hawthorn Bank | Bank of Clarke |
|---|---|---|
| Headquarters City | JEFFERSON CITY | BERRYVILLE |
| Headquarters State | MO | VA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 19 | 15 |
| Employees (FTE) | 276 | 253 |
| Established | Jan. 1, 1911, midnight | April 1, 1881, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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