Side-by-side · Q2 2026 data
Hawthorn Bank vs First Bank of the Lake
Metric by metric
| Measure | Hawthorn Bank | First Bank of the Lake |
|---|---|---|
| TellerScore | 75 (stronger) | 26 |
| Capital cushion | 63 (stronger) | 21 |
| Loan quality | 84 (stronger) | 0 |
| Earnings | 84 (stronger) | 53 |
| Funding & liquidity | 62 (stronger) | 54 |
| Problem-loan coverage | 93 (stronger) | 13 |
| Peer percentile | 77th | 0th |
| Total assets | $1.8B | $2.3B |
| Deposits / shares | $1.5B | $2.0B |
| Capital ratio | 11.26% (stronger) | 7.08% |
| Problem loans | 0.47% (stronger) | 3.70% |
| Net charge-offs | 0.03% (stronger) | 0.62% |
| Return on assets | 1.59% (stronger) | 0.83% |
| Loans ÷ deposits | 91.8% (stronger) | 106.6% |
| Uninsured deposits | 20.4% | 8.4% (stronger) |
| Offices | 26 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.4% | — |
Hawthorn Bank has the higher TellerScore (75 vs 26). On the 7 directional measures above (where higher or lower is clearly better), Hawthorn Bank leads on 6 and First Bank of the Lake on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.