Hawthorn Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 8.6% higher than in Q1 2026, at -$17.4M. Hawthorn Bank ranks 52nd of 98 Missouri banks on CET1 ratio, in the lower half at 13.23% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; Hawthorn Bank reported 13.23% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.23% |
| Tier 1 risk-based capital ratio | 13.23% |
| Total risk-based capital ratio | 14.49% |
| Tier 1 leverage ratio | 11.26% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $204.3M |
| Tier 1 capital | $204.3M |
| Total risk-based capital | $223.6M |
| Total equity capital | $186.9M |
| Risk-weighted assets | $1.54B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.62% |
| Tangible equity to tangible assets | 10.62% |
| Equity capital to average assets | 10.30% |
| Internal capital growth rate | 4.58% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $96.9M |
| Retained earnings | $104.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.79% | 12.79% | 13.92% | 10.63% | $1.61B |
| Q4 2023 | 12.67% | 12.67% | 13.91% | 10.31% | $1.57B |
| Q1 2024 | 12.43% | 12.43% | 13.68% | 10.65% | $1.60B |
| Q2 2024 | 12.68% | 12.68% | 13.92% | 10.73% | $1.57B |
| Q3 2024 | 12.89% | 12.89% | 14.14% | 10.84% | $1.55B |
| Q4 2024 | 12.85% | 12.85% | 14.10% | 10.83% | $1.56B |
| Q1 2025 | 13.16% | 13.16% | 14.41% | 11.18% | $1.56B |
| Q2 2025 | 12.93% | 12.93% | 14.18% | 11.06% | $1.56B |
| Q3 2025 | 12.51% | 12.51% | 13.76% | 10.96% | $1.62B |
| Q4 2025 | 12.83% | 12.83% | 14.08% | 10.90% | $1.58B |
| Q1 2026 | 12.94% | 12.94% | 14.20% | 10.93% | $1.56B |
| Q2 2026 | 13.23% | 13.23% | 14.49% | 11.26% | $1.54B |
Hawthorn Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Hawthorn Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Hawthorn Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10619) · FFIEC NIC profile (RSSD 508346)