Side-by-side · Q2 2026 data
Hawthorn Bank vs Citizens Bank
Metric by metric
| Measure | Hawthorn Bank | Citizens Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 70 |
| Capital cushion | 63 (stronger) | 27 |
| Loan quality | 84 | 93 (stronger) |
| Earnings | 84 | 100 (stronger) |
| Funding & liquidity | 62 (stronger) | 59 |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 77th | 43rd |
| Total assets | $1.8B | $188.1M |
| Deposits / shares | $1.5B | $171.1M |
| Capital ratio | 11.26% (stronger) | 7.73% |
| Problem loans | 0.47% | 0.20% (stronger) |
| Net charge-offs | 0.03% | 0.01% (stronger) |
| Return on assets | 1.59% | 2.43% (stronger) |
| Loans ÷ deposits | 91.8% (stronger) | 98.5% |
| Uninsured deposits | 20.4% | 17.4% (stronger) |
| Offices | 26 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.4% | — |
Hawthorn Bank has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Hawthorn Bank leads on 3 and Citizens Bank 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
- Drexel, MO