Side-by-side · Q2 2026 data
Hawthorn Bank vs Citizens Community Bank
Metric by metric
| Measure | Hawthorn Bank | Citizens Community Bank |
|---|---|---|
| TellerScore | 75 | 79 (stronger) |
| Capital cushion | 63 | 66 (stronger) |
| Loan quality | 84 | 91 (stronger) |
| Earnings | 84 (stronger) | 68 |
| Funding & liquidity | 62 | 85 (stronger) |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 77th | 75th |
| Total assets | $1.8B | $142.6M |
| Deposits / shares | $1.5B | $125.9M |
| Capital ratio | 11.26% | 11.56% (stronger) |
| Problem loans | 0.47% | 0.27% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.25% |
| Return on assets | 1.59% (stronger) | 1.19% |
| Loans ÷ deposits | 91.8% | 75.7% (stronger) |
| Uninsured deposits | 20.4% | 9.8% (stronger) |
| Offices | 26 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.4% | — |
Citizens Community Bank has the higher TellerScore (79 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Hawthorn Bank leads on 2 and Citizens Community Bank on 5. 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.