Side-by-side · Q2 2026 data
Hawthorn Bank vs St. Clair County State Bank
Metric by metric
| Measure | Hawthorn Bank | St. Clair County State Bank |
|---|---|---|
| TellerScore | 75 | 87 (stronger) |
| Capital cushion | 63 | 85 (stronger) |
| Loan quality | 84 | 92 (stronger) |
| Earnings | 84 | 94 (stronger) |
| Funding & liquidity | 62 | 69 (stronger) |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 77th | 91st |
| Total assets | $1.8B | $231.8M |
| Deposits / shares | $1.5B | $195.7M |
| Capital ratio | 11.26% | 13.51% (stronger) |
| Problem loans | 0.47% | 0.24% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.59% | 1.85% (stronger) |
| Loans ÷ deposits | 91.8% | 90.1% (stronger) |
| Uninsured deposits | 20.4% | 15.8% (stronger) |
| Offices | 26 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.4% | — |
St. Clair County State Bank has the higher TellerScore (87 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Hawthorn Bank leads on 0 and St. Clair County State Bank on 7. 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
- Osceola, MO