TellerScore

Hawthorn Bank (FDIC certificate #10619) is based in Jefferson City, Missouri. Its Q2 2026 call report shows $1.8B in total assets and $1.5B in deposits and 27 offices across 2 states.

Hawthorn Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 76th. Problem-loan coverage contributes the most (93/100, 3.6%); funding & liquidity contributes the least (62/100, 92% loans-to-deposits, 20% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.26%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.47%
Earnings84/100
Return on assets (annualized): 1.59%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 91.8% · 20.4% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.61%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 75).

TellerScore
717476Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202471
Q3 202471
Q4 202473
Q1 202576
Q2 202575
Q3 202573
Q4 202572
Q1 202672
Q2 202675
Tier 1 leverage ratio
5.00%8.13%11.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.73%
Q3 202410.84%
Q4 202410.83%
Q1 202511.18%
Q2 202511.06%
Q3 202510.96%
Q4 202510.90%
Q1 202610.93%
Q2 202611.26%
Noncurrent loans
0.17%0.32%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.30%
Q3 20240.28%
Q4 20240.19%
Q1 20250.17%
Q2 20250.19%
Q3 20250.32%
Q4 20250.46%
Q1 20260.47%
Q2 20260.47%
Return on assets
1.17%1.38%1.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.21%
Q3 20241.17%
Q4 20241.20%
Q1 20251.36%
Q2 20251.42%
Q3 20251.43%
Q4 20251.42%
Q1 20261.39%
Q2 20261.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$1.8B11.26%0.47%1.59%91.8%
Q1 202672$1.8B10.93%0.47%1.39%92.7%
Q4 202572$1.9B10.90%0.46%1.42%92.8%
Q3 202573$1.9B10.96%0.32%1.43%96.5%
Q2 202575$1.9B11.06%0.19%1.42%93.7%
Q1 202576$1.9B11.18%0.17%1.36%93.0%
Q4 202473$1.8B10.83%0.19%1.20%93.3%
Q3 202471$1.8B10.84%0.28%1.17%95.2%
Q2 202471$1.8B10.73%0.30%1.21%94.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.26%
66th
Total risk-based capital14.49%
60th
Problem loans0.47%
53rd
Net charge-offs0.03%
53rd
Return on assets1.59%
73rd
Net interest margin4.19%
77th
Efficiency ratio58.6%
52nd
Loans to deposits91.8%
35th
Uninsured deposits20.4%
82nd
Loan-loss reserves1.46%
84th
Texas ratio3.6%
50th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Legacy Bank & Trust CompanyBank Mountain Grove, MO64 out of 100, Moderate$1.8B11.9%1.47%vs
The Nodaway Valley BankBank Maryville, MO87 out of 100, Very strong$1.6B11.6%0.00%vs
BTC BankBank Bethany, MO60 out of 100, Moderate$1.9B9.4%0.72%vs
Sterling BankBank Poplar Bluff, MO78 out of 100, Strong$1.6B11.1%0.35%vs
Sullivan BankBank Sullivan, MO52 out of 100, Below average$1.4B8.8%1.45%vs
Cass Commercial BankBank Des Peres, MO83 out of 100, Strong$1.3B14.1%0.16%vs

Deposit insurance

Is my money safe at Hawthorn Bank?

Yes. Hawthorn Bank is an FDIC-insured institution (FDIC certificate #10619). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.4% of deposits ($310.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.26%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.49% (benchmark: 10%).

Check how much of your own balance is covered

27 locations

Branches

Hawthorn Bank lists 26 offices in 22 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Hawthorn Bank reported 595 home-loan applications under HMDA (LEI 54930023DLYUOD6GKQ42): 436 originated ($107,050,000 total), 100 denied, and 51 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Hawthorn Bank
Former names
Union State Bank of Clinton; Citizens Union State Bank and Trust; Charter Bank Clinton; Boatmen's Bank of Clinton; Union State Bank and Trust of Clinton
Type
State-chartered bank
FDIC certificate #
10619
RSSD ID
508346
Primary regulator
FDIC
Holding company
Hawthorn Bancshares Inc
Established
January 1, 1911
Headquarters
132 E High St, Jefferson City, MO 65101
Employees
269

Quick answers

Hawthorn Bank: common questions

Is Hawthorn Bank FDIC insured?

Yes. Hawthorn Bank is an FDIC-insured institution (FDIC certificate #10619). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Hawthorn Bank's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Hawthorn Bank ever failed?

There is no failure record for FDIC certificate #10619 in the FDIC failed bank list.

How many branches does Hawthorn Bank have?

27 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Jefferson City

InstitutionScoreAssetsCapitalProblem loansCompare
Knox Co. Employees Credit UnionCredit union Knoxville, TN96 out of 100, Very strong$12.5M18.8%0.04%vs
Our Lady of Snows Credit UnionCredit union Henley, MO96 out of 100, Very strong$4.6M15.3%0.00%vs
Farmers Bank of Lohman, MissouriBank Jefferson City, MO93 out of 100, Very strong$82.9M17.1%0.02%vs
Legends BankBank Linn, MO90 out of 100, Very strong$635.5M18.3%0.51%vs
The Maries County BankBank Vienna, MO89 out of 100, Very strong$600.5M14.8%0.12%vs
United Credit UnionCredit union Mexico, MO88 out of 100, Very strong$302.1M15.2%0.40%vs