Hawthorn Bank: how it compares with its peers
Against 32 MO banks with half to twice its assets, Hawthorn Bank's strongest measure in Q2 2026 is return on assets (1.59% vs. a 1.36% peer median). Its weakest relative measure is assets per employee ($6.5M vs. $8.4M).
| Measure | Hawthorn Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.59% | 1.36% | Middle third Ahead of 66% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.19% | 3.89% | Middle third Ahead of 59% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.57% | 55.30% | Middle third Ahead of 44% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $8.4M | Bottom third Ahead of 16% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.77% | 91.27% | Context |
What it means for lending operations
Its efficiency ratio of 58.57% is above the 55.30% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Legacy Bank & Trust Company Mountain Grove, MO · $1.85B
- The Nodaway Valley Bank Maryville, MO · $1.62B
- BTC Bank Bethany, MO · $1.91B
- Sterling Bank Poplar Bluff, MO · $1.56B
- SULLIVAN BANK Sullivan, MO · $1.40B
- Cass Commercial Bank Des Peres, MO · $1.33B
Questions about Hawthorn Bank
How big is Hawthorn Bank?
Hawthorn Bank, established in 1911, is headquartered in Jefferson City, MO. It reported $1.76B in total assets in its Q2 2026 FDIC call report and operates 27 offices.
What is Hawthorn Bank's return on assets?
1.59% annualized in Q2 2026, against a 1.36% median for 32 MO banks with half to twice its assets, ahead of 66% of them.
What is Hawthorn Bank's efficiency ratio?
58.57% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 55.30%, and lower is better.
Is Hawthorn Bank growing its loans?
Net loans shrank 3.2% over the year to Q2 2026, while deposits shrank 1.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.