Hawthorn Bank
Jefferson City, Missouri, Cole County
$1.8B in total assets, the 673rd largest of 4,309 US banks and 22nd of 195 headquartered in Missouri.
- FDIC certificate
- 10619
- Established
- 1911
- Owned by
- Hawthorn Bancshares Inc
- Primary regulator
- FDIC
- Website
- WWW.HAWTHORNBANK.COM
At a glance
Compared with 29 banks headquartered in Missouri with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.8B | 48% | $1.8B | |
| Loans | $1.4B | 52% | $1.2B | |
| Deposits | $1.5B | 52% | $1.4B | |
| Return on assets | 1.51% | 69% | 1.26% | |
| Net interest margin | 4.19% | 66% | 3.86% | |
| Efficiency ratio | 58.6% | 55% | 56.1% | |
| Equity to assets | 10.62% | 41% | 10.99% | |
| Loans to deposits | 93% | 48% | 94% |
Growth
Total assets grew 0.7% a year over the last 5 years and 3.4% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2007 | The Exchange National Bank of Jefferson City Jefferson City, MO, an affiliate under the same holding company | $506M |
| Jun 2007 | Bank 10 Belton, MO, an affiliate under the same holding company | $217M |
| Mar 2007 | Osage Valley Bank Warsaw, MO, an affiliate under the same holding company | $109M |
| May 2000 | Citizens State Bank of Calhoun Clinton, MO | $68M |
| Apr 1988 | Union State Bank of Clinton Clinton, MO | $49M |
Where they operate
18 branches in 11 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Cole County, MO | $569M | 9.6% | 3 of 12 |
| Cass County, MO | $257M | 12.7% | 3 of 19 |
| Henry County, MO | $243M | 30.2% | 1 of 8 |
| Boone County, MO | $116M | 2.0% | 12 of 23 |
| Benton County, MO | $113M | 21.7% | 3 of 5 |
| Jackson County, MO | $93M | 0.2% | 25 of 43 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 5 branches since 2016 (23 to 18, −21.7%). 3 opened, 0 acquired, 8 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 23 | |||
| 2017 | Closed Collins | 0 | 1 | −1 | 22 |
| 2018 | Closed Windsor | 0 | 1 | −1 | 21 |
| 2019 | Sold 1 branch to Branson BankOpened Columbia | 1 | 1 | 0 | 21 |
| 2022 | Closed Warsaw | 0 | 1 | −1 | 20 |
| 2023 | Closed Clinton | 0 | 1 | −1 | 19 |
| 2024 | Opened Kansas CityClosed Independence and St. Robert | 1 | 2 | −1 | 18 |
| 2025 | Opened Overland ParkClosed Clinton | 1 | 1 | 0 | 18 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 35% | 30% | |
| 1-4 family residential | 26% | 20% | |
| Business (C&I) | 11% | 18% | |
| Multifamily | 10% | 7% | |
| Construction and land | 9% | 11% | |
| Farmland | 6% | 5% | |
| Agricultural | 1% | 2% | |
| Consumer | 1% | 4% | |
| Other | 2% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 50% | 48% | |
| Noninterest-bearing | 30% | 18% | |
| Time deposits | 19% | 34% |
Brokered deposits are 0.3% of deposits (peers 8.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.41% | 0.67% |
| Net charge-offs, annualized | 0.03% | 0.04% |
| Reserves to loans | 1.46% | 1.26% |
| Leverage ratio | 11.26% | 10.76% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in Cole County, MO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/hawthorn