Side-by-side · Q2 2026 data
Hawthorn Bank vs Citizens Bank & Trust
Metric by metric
| Measure | Hawthorn Bank | Citizens Bank & Trust |
|---|---|---|
| TellerScore | 75 | 85 (stronger) |
| Capital cushion | 63 | 75 (stronger) |
| Loan quality | 84 | 97 (stronger) |
| Earnings | 84 (stronger) | 74 |
| Funding & liquidity | 62 | 87 (stronger) |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 77th | 88th |
| Total assets | $1.8B | $107.3M |
| Deposits / shares | $1.5B | $93.7M |
| Capital ratio | 11.26% | 12.50% (stronger) |
| Problem loans | 0.47% | 0.08% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.05% |
| Return on assets | 1.59% (stronger) | 1.36% |
| Loans ÷ deposits | 91.8% | 55.9% (stronger) |
| Uninsured deposits | 20.4% (stronger) | 27.3% |
| Offices | 26 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.4% | — |
Citizens Bank & Trust has the higher TellerScore (85 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Hawthorn Bank leads on 3 and Citizens Bank & Trust on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Mound City, MO