Hawthorn Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hawthorn Bank of Jefferson City, MO against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.79% | 1.46% | +0.33% | 81st top |
| ROAE | 17.51% | 12.71% | +4.80% | 82nd top |
| Net Interest Margin | 4.24% | 3.85% | +0.39% | 81st top |
| Efficiency Ratio | 56.40% | 57.41% | -1.01% | 56th above |
| PPNR / Avg Assets | 2.18% | 1.88% | +0.30% | 77th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.71% | 5.72% | -0.01% | 60th above |
| Cost of Funds | 1.58% | 2.02% | -0.44% | 76th top |
| Net Interest Spread | 3.48% | 3.18% | +0.30% | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.46% | 1.00% | -0.54% | 61st above |
| NPA / Total Assets | 0.42% | 0.76% | -0.34% | 55th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 45th below |
| ACL / Total Loans | 1.46% | 1.31% | +0.15% | 84th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 319.20% | 543.51% | -224.31% | 72nd above |
| Texas Ratio | 3.61% | 7.39% | -3.78% | 60th above |
| Provision / NCO | -93.91% | 619.18% | -713.09% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.23% | 17.34% | -4.11% | 46th below |
| Tier 1 Ratio | 13.23% | 17.37% | -4.14% | 45th below |
| Total Capital Ratio | 14.49% | 18.42% | -3.93% | 47th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.26% | 11.44% | -0.18% | 66th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.62% | 11.34% | -0.72% | 53rd above |
| TCE / Tangible Assets | 10.62% | 10.50% | +0.12% | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.13% | 86.95% | +6.18% | 35th below |
| Core Deposit Ratio | 93.64% | 85.55% | +8.09% | 77th top |
| Uninsured Deposit Ratio | 20.44% | 33.13% | -12.69% | 83rd top |
| Wholesale Funding Ratio | 1.67% | 5.71% | -4.04% | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.71% | 9.69% | -15.40% | 3rd bottom |
| Loan Growth (Y/Y) | -3.17% | 8.06% | -11.23% | 8th bottom |
| Deposit Growth (Y/Y) | -1.18% | 7.88% | -9.06% | 13th bottom |
See Hawthorn Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hawthorn Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Hawthorn Bank profile, how to read a UBPR, or how this data updates.