Hawthorn Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Cost of borrowings rose 0.35 percentage points in Q2 2026 to 3.44%, the biggest move on this page. Within Missouri, Hawthorn Bank is 73rd of 192 on net interest margin, 4.24% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Hawthorn Bank sits 0.53 points higher, at 4.24% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.71% |
| Yield on loans | 6.14% |
| Yield on securities | 3.43% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.58% |
| Cost of interest-bearing deposits | 2.12% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | 3.44% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.24% |
| Yield to cost spread | 3.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $21.9M |
| Total interest expense | $6.3M |
| Interest expense on deposits | $5.7M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.16% | 1.83% | 3.49% | 5.70% | 2.22% |
| Q4 2023 | 5.43% | 1.97% | 3.64% | 5.97% | 2.33% |
| Q1 2024 | 5.38% | 2.03% | 3.53% | 5.71% | 2.78% |
| Q2 2024 | 5.37% | 2.25% | 3.47% | 5.71% | 2.83% |
| Q3 2024 | 5.50% | 2.09% | 3.55% | 5.86% | 2.92% |
| Q4 2024 | 5.48% | 1.88% | 3.74% | 5.88% | 3.03% |
| Q1 2025 | 5.42% | 1.80% | 3.74% | 5.80% | 3.24% |
| Q2 2025 | 5.57% | 1.72% | 3.98% | 5.95% | 3.50% |
| Q3 2025 | 5.75% | 1.78% | 4.10% | 6.15% | 3.51% |
| Q4 2025 | 5.72% | 1.68% | 4.17% | 6.15% | 3.06% |
| Q1 2026 | 5.60% | 1.59% | 4.12% | 6.00% | 3.28% |
| Q2 2026 | 5.71% | 1.58% | 4.24% | 6.14% | 3.43% |
Hawthorn Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hawthorn Bank, freeSource: Call Report Schedules RI and RC-K, 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)