Hawthorn Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 8.93 percentage points lower than in Q1 2026, at 258.81%. Within Missouri, Hawthorn Bank is 55th of 192 on loan-to-deposit ratio, 93.13% as of Q2 2026, above the middle of the field. Hawthorn Bank reported 93.13% on loan-to-deposit ratio for Q2 2026, 4.93 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.42B |
| Net loans and leases | $1.40B |
| Loans held for sale | $152K |
| Loans to total assets | 80.49% |
| Loan-to-deposit ratio | 93.13% |
| Net loans to equity capital | 7.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.53% |
| Multifamily (5+ residential) | 10.15% |
| Commercial and industrial | 11.02% |
| Consumer | 0.65% |
| Credit cards | 0.13% |
| Farm | 5.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 258.81% |
| Construction concentration (Tier 1 capital + allowance) | 56.99% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.14% |
| Interest income on loans | $21.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.56B | $1.59B | 34.42% | 10.84% | 1.37% |
| Q4 2023 | $1.54B | $1.58B | 34.47% | 10.95% | 1.35% |
| Q1 2024 | $1.52B | $1.54B | 35.74% | 10.73% | 1.19% |
| Q2 2024 | $1.50B | $1.56B | 35.99% | 10.68% | 1.12% |
| Q3 2024 | $1.47B | $1.52B | 36.08% | 9.88% | 1.03% |
| Q4 2024 | $1.47B | $1.55B | 35.98% | 9.75% | 0.96% |
| Q1 2025 | $1.47B | $1.56B | 34.85% | 9.94% | 0.85% |
| Q2 2025 | $1.46B | $1.54B | 34.64% | 11.00% | 0.81% |
| Q3 2025 | $1.52B | $1.55B | 33.39% | 11.59% | 0.68% |
| Q4 2025 | $1.49B | $1.58B | 33.78% | 11.71% | 0.69% |
| Q1 2026 | $1.45B | $1.55B | 34.14% | 11.99% | 0.64% |
| Q2 2026 | $1.42B | $1.52B | 34.53% | 11.02% | 0.65% |
Hawthorn Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hawthorn Bank, freeSource: Call Report Schedule RC-C, 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)