Hawthorn Bank
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Data as of · sourced from FFIEC call reports. How we update
Hawthorn Bank is an FDIC-insured commercial bank headquartered in Jefferson City, MO, established in 1911 (FDIC certificate 10619), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.76B, down 5.7% from Q2 2025, the 22nd largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 13.23% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10619
- Headquarters
- Jefferson City, MO
- Established
- 1911
- Total assets, Q2 2026
- $1.76B
- Assets vs Q2 2025
- -5.7%
- CET1 ratio, Q2 2026
- 13.23%
- Domestic offices
- 18 FDIC institution directory, current count
- Routing number
- 086500605
- Holding company
- HAWTHORN BANCSHARES, INC
- Asset rank in state
- 22nd of 191 in Missouri
Hawthorn Bank, based in Jefferson City, Missouri, reported $1.8 billion in assets at June 30, 2026, down 5.7% from a year earlier. It shrank its loan book 3.2% over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.9%). It also holds about a fifth of its deposits (20%) above the FDIC insurance limit, lower than about three-quarters of banks its size (median 30.9%).
Net income for the quarter rose 19% from a year earlier, to $8.1 million. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.41% of loans, against 0.18% a year earlier.
As of June 30, 2026, Hawthorn Bank reported a CET1 capital ratio of 13.23%, a return on assets of 1.79%, a nonperforming-loan ratio of 0.47% and a Texas ratio of 3.18%. The figures come from its call report filed with the FFIEC.
Hawthorn Bank ranks as the 22nd largest of the 191 banks based in Missouri, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 4.5% to $1.76B, loans fell 2.6% and deposits fell 1.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 26.1% of total loans, followed by non-owner-occupied commercial real estate loans at 21.9%. The FDIC Summary of Deposits lists 18 offices for it, in 14 cities across 2 states; its Jefferson City 4 offices book 37% of its branch deposits. On its Q2 2026 call report, Hawthorn Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 132 E High St, Jefferson City, MO 65101
- County
- Cole
- Metro Area
- Jefferson City, MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1911
- Former names
- Citizens Union State Bank and Trust (2003-2007); Union State Bank and Trust of Clinton (1989-2000); Union State Bank of Clinton (1988-1989); Boatmen's Bank of Clinton (1985-1988); Charter Bank Clinton (1980-1985); Charter Bank of Clinton (1979-1980); Farmers' Bank of Clinton (1945-1979)
- Domestic offices
- 18 FDIC institution directory, current count
- Employees (FTE)
- 269
- Domestic deposits
- $1.52B
- Allowance for credit losses
- $20.7M
- Net charge-offs (YTD)
- $197K
- Average total assets
- $1.81B
- Average total loans
- $1.43B
- Average interest-bearing deposits
- $1.06B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10619
- Fed RSSD
- 508346
- SEC CIK
- 893847 → filed by HAWTHORN BANCSHARES, INC
- Website
- WWW.HAWTHORNBANK.COM →
- Parent Holding Company
- HAWTHORN BANCSHARES, INC (RSSD 2038409) · HWBK
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Brent M Giles | CEO | CHIEF EXECUTIVE OFFICER |
| Gregg A. Bexten | PRES | PRESIDENT |
| Hafner Christopher Eugene | CFO | Sr. VP/Chief Financial Officer |
| Kathleen L Bruegenhemke | CRO | EVP/CRO |
| Jason E Schwartz | CCO | SR VP/CHIEF CREDIT OFFICER |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Hawthorn Bank's total assets ran between $1.76B (Q2 2026) and $1.92B (Q3 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.76B total assets against $1.87B; $1.57B total liabilities against $1.69B.
$1.40B net loans and leases against $1.44B; $1.52B total deposits against $1.54B.
$232.2M securities against $220.5M; $33.7M cash and balances due against $101.3M.
$24.3M total interest income against $23.9M; $6.3M total interest expense against $6.9M.
$18.0M net interest income against $17.0M.
$4.9M total noninterest income against $2.9M; $13.0M total noninterest expense against $11.6M.
$238K provision for credit losses against -$110K.
$8.1M net income against $6.8M.
1.79% return on assets against 1.50%; 4.24% net interest margin against 3.98%.
13.23% CET1 capital ratio against 12.93%; 11.26% tier 1 leverage ratio against 11.06%.
Inside the full Hawthorn Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Hawthorn Bank rankings
Its closest position to the top of a national ranking is 648 of 4,196, for total assets; its furthest is 810 of 980, for uninsured deposits.
Banks merged into Hawthorn Bank
- Farmers State Bank, effective September 4, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.08% (Q3 2024) to 1.79% (Q2 2026) and its net interest margin ran from 3.55% (Q3 2024) to 4.24% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.23% | 1.79% | 0.47% | 3.18% | 4.24% |
| Q1 2026 | 12.94% | 1.40% | 0.47% | 3.31% | 4.12% |
| Q4 2025 | 12.83% | 1.39% | 0.46% | 3.32% | 4.17% |
| Q3 2025 | 12.51% | 1.50% | 0.32% | 3.55% | 4.10% |
| Q2 2025 | 12.93% | 1.50% | 0.19% | 2.54% | 3.98% |
| Q1 2025 | 13.16% | 1.37% | 0.17% | 1.26% | 3.74% |
| Q4 2024 | 12.85% | 1.25% | 0.19% | 1.85% | 3.74% |
| Q3 2024 | 12.89% | 1.08% | 0.28% | 3.73% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
View all 18 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Hawthorn Bank (main office) | Jefferson City , MO | 65101 | $375.4M |
| 1400 East Ohio Branch | Clinton , MO | 64735 | $242.9M |
| Harrisonville Branch | Harrisonville , MO | 64701 | $144.3M |
| North Town Center Facility | Warsaw , MO | 65355 | $113.2M |
| West Facility | Jefferson City , MO | 65109 | $90.5M |
| Belton Branch | Belton , MO | 64012 | $77.9M |
| Columbia Club Village Branch | Columbia , MO | 65203 | $77.0M |
| South Facility | Jefferson City , MO | 65101 | $55.0M |
| Lee's Summit Branch | Lees Summit , MO | 64081 | $54.7M |
| East Facility | Jefferson City , MO | 65101 | $48.4M |
| Hawthorn Bank (main office) | Columbia , MO | 65201 | $39.4M |
| Independence Branch | Independence , MO | 64055 | $38.0M |
| Springfield Branch | Springfield , MO | 65807 | $37.0M |
| Drexel Facility | Drexel , MO | 64742 | $34.5M |
| Shoal Creek Branch | Kansas City , MO | 64157 | $32.1M |
| California Branch | California , MO | 65018 | $27.0M |
| Osceola Branch | Osceola , MO | 64776 | $24.1M |
| Hawthorn Bank - Overland Park Branch | Overland Park , KS | 66210 | $9.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 4, 2026 | Structure Change | Acquired Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 6, 2007 | M&A | Acquired The Exchange National Bank of Jefferson City merger for the acquired bank | SEC |
| October 6, 2007 | Structure Change | Acquired The Exchange National Bank of Jefferson City Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 22, 2007 | Structure Change | Acquired Bank 10 Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 16, 2007 | Structure Change | Acquired Osage Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 5, 2000 | Structure Change | Acquired Citizens State Bank of Calhoun Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 21, 1988 | Structure Change | Acquired Boatmen's Bank of Clinton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in MO, rank 29 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 614 applications, 436 loans originated, $107.0M originated, across 9 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $2.3M approved, $460K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Hawthorn Bank
What are Hawthorn Bank's total assets?
As of the Q2 2026 filing, Hawthorn Bank reported total assets of $1.76 billion in its FFIEC call report.
Where is Hawthorn Bank headquartered?
It is headquartered in Jefferson City, MO, United States.
When was Hawthorn Bank founded?
It was established in 1911, per the FDIC institution directory.
Is Hawthorn Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10619). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hawthorn Bank?
Hawthorn Bank's primary federal regulator is the FDIC.
What is Hawthorn Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.23% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Hawthorn Bank operate?
It operates 18 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hawthorn Bank's Texas Ratio?
Its Texas Ratio is 3.18% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Hawthorn Bank previously called?
The charter now named Hawthorn Bank has also operated as Citizens Union State Bank and Trust (2003-2007), Union State Bank and Trust of Clinton (1989-2000), Union State Bank of Clinton (1988-1989), Boatmen's Bank of Clinton (1985-1988), Charter Bank Clinton (1980-1985), Charter Bank of Clinton (1979-1980), Farmers' Bank of Clinton (1945-1979), per FDIC structure-change records.
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