Hawthorn Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Jefferson City, Hawthorn Bank serves the Missouri market as a community-focused commercial bank. On its most recent Q2 2026 call report, Hawthorn reported $1.8B in total assets against $1.5B in deposits. The bank posts a strong 1.79% ROA and 17.51% ROE. Capital cushions are healthy: 13.23% CET1, 11.26% Tier 1 leverage. Asset quality is pristine, 0.46% NPLs and a 3.61% Texas Ratio. Its footprint covers 27 branches concentrated in Missouri.
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 0.46%, a Texas ratio of 3.61%, per financial data filed with the FFIEC.
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)
- Offices
- 27 domestic
- Employees (FTE)
- 269
- Domestic deposits
- $1.52B
- Allowance for credit losses
- $20.7M
- Net charge-offs (YTD)
- $197K
- 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 |
|---|---|---|
| Giles Brent M | CEO | CHIEF EXECUTIVE OFFICER |
| Hafner Christopher Eugene | CFO | Sr. VP/Chief Financial Officer |
| Bexten Gregg A. | PRES | PRESIDENT |
| Bruegenhemke Kathleen L | CRO | EVP/CRO |
| Schwartz Jason E | CCO | SR VP/CHIEF CREDIT OFFICER |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Hawthorn Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Hawthorn 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Hawthorn Bank
- Farmers State Bank, effective September 4, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.23% | 1.79% | 0.46% | 3.61% | 4.24% |
| Q1 2026 | 12.94% | 1.40% | 0.47% | 3.36% | 4.12% |
| Q4 2025 | 12.83% | 1.39% | 0.46% | 3.37% | 4.17% |
| Q3 2025 | 12.51% | 1.50% | 0.27% | 3.60% | 4.10% |
| Q2 2025 | 12.93% | 1.50% | 0.15% | 2.61% | 3.98% |
| Q1 2025 | 13.16% | 1.37% | 0.17% | 1.28% | 3.74% |
| Q4 2024 | 12.85% | 1.25% | 0.17% | 1.87% | 3.74% |
| Q3 2024 | 12.89% | 1.08% | 0.25% | 3.84% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 18 branches →
| 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 | merger | 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
What the public regulatory sources show for Hawthorn Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in MO, rank 29 of 253 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Hawthorn Bank headquartered?
Hawthorn Bank is headquartered in Jefferson City, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Hawthorn Bank founded?
Hawthorn Bank was established in 1911, per the FDIC institution directory.
Is Hawthorn Bank FDIC-insured?
Yes. Hawthorn Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Hawthorn Bank's CET1 capital ratio?
Hawthorn Bank 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?
Hawthorn Bank operates 27 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?
Hawthorn Bank's Texas Ratio is 3.61% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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