# HAWTHORN BANK
JEFFERSON CITY, MO · FDIC certificate 10619 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.76B | |
| Deposits | $1.52B | |
| Loans and leases | $1.42B | |
| Total equity | $186.9M | |
| Loans / deposits | 91.77% (p65 of band) | 87.10% |
| Liquid assets / assets | 15.11% (p24 of band) | |
| Uninsured deposits / deposits | 20.44% (p18 of band) | 30.76% |
| Brokered deposits | 0.23% | |
| Wholesale funding | 1.90% (p29 of band) | |
| FHLB advances / assets | 1.66% | |
| Tier 1 leverage | 11.26% (p65 of band) | 10.50% |
| Unrealized securities loss / equity | -11.84% (p36 of band) | -7.75% |
| AOCI / equity | -0.52% (p34 of band) | |
| ROA (annualized) | 1.59% (p73 of band) | 1.26% |
| Net interest margin | 4.19% (p77 of band) | 3.70% |
| Efficiency ratio | 58.57% (p49 of band) | |
| Noncurrent loans | 0.47% (p47 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p48 of band) | |
| Reserve coverage of noncurrent | 311.48% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 68.62% (p71 of band) | |
| Auto loans | $3.6M (0.25% of loans; DQ 0.70%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -1.2% | |
| Employees | 269 | |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | expense ratio p90 |  |
| 2013-06 | 2 | capital falling | expense ratio p90 |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | charge-offs p90 |  |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | loans exceed deposits |  |
| 2019-12 | 0 |  | loans exceed deposits |
| 2020-03 | 2 | capital falling, deposits shrinking |  |
| 2020-06 | 1 |  | deposits shrinking |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 5 | capital falling, construction >100% equity | securities losses >30% of equity |
| 2023-03 | 3 |  | reserve under noncurrent, AOCI drag >20% of equity |
| 2023-06 | 2 | uninsured deposits leaving | noncurrent p90, capital falling |
| 2023-09 | 3 | securities losses >30% of equity |  |
| 2023-12 | 2 | capital falling | uninsured deposits leaving, securities losses >30% of equity |
| 2024-03 | 1 | uninsured deposits leaving | construction >100% equity, capital falling |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 1 | assets shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-08 [Hawthorn Bancshares Completes Merger with FSC Bancshares - ABF Journal](https://news.google.com/rss/articles/CBMijAFBVV95cUxPekQ1N0k3WWhQQ3VJS0ZVeHYtVFI1d094MnZsazNIZ2o1UlBmZmlwQ0lGMHh2XzVmc2VpY1prMldzZzZQRjN1NWlNcmluUF8tVzBrY3Q0VXJVU1Z6Q09ZNlJYcDV3bTY3WTJ0VHhzR2tZOUZFb3NEVDFpcF9GTGZBQmgycXV1RWdxWmRKag?oc=5) · ABF Journal
- 2026-09-04 [Hawthorn Bancshares, Inc. Completes Merger with FSC Bancshares, Inc. - GlobeNewswire](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPeEwxR1JwVERjY0R2ZTZERXVjTUtvUkpHWHVCeTg4c1BMWTVDNFowZTZLdGNaczdET253NnBfTms0VERnanJvbjNmNFJxYkJCMGJockpDM0J6SDBDM01RcXdYNTcteGJ0X25CVm9RMGFLeF92b3VaSXFNQktLNGRJZlhjVmd5dWpNZkI2OUpPNkozeFV5U3NvNEF4OUxWOHNoUUVGamVGS2dwcG1GeHlKWXFjZmpBWlNLbG9GZEtMMi1HTVRsWDJSLWlpWG1mVlk1b0E?oc=5) · GlobeNewswire
- 2026-08-03 [Former UMB executive joins Hawthorn Bank as market president - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxNcnBXNDlZakhoZEZRZ2U2MFhNSmM4WXlsbURaT1YzYVE2TnNJMmdvdHZrR1M3RlhsSzFNWkxiQnhadFFocUo2ekxaam5UYTFtSnF2MEdwbWs2TEVNdDlvRWo5YkY2VkRDNEhYOTRQNmRpRUhFckNKNm8zemNDM25ab3l6ajh5cGJPeGxBNUtvUEVjLW96ckZmYkxGSEFtb1JObVNPQ29QSUF1YWxCaWc?oc=5) · The Business Journals
- 2026-05-01 [Hawthorn Bancshares expands Missouri presence with Farmers State Bank acquisition - KTTN](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOOWRaSC00SkJiVDd1UWVvSUstaVdKUGVOcFNsTzBxQ09TcnJCOHE1OEJpVzhDSlZtWnp0YzVValN6UlEtMTZJMlJVR1ZhZGF1X3BjNFAwS0R4VWNid3dNQWVJcW51NmVQV0tpT3ZFN0FLMGN1TXkzWXNoM0gxMThNNGNhcUNfOWg3cTdObHMyd09yNnJCQVZZNGF0ZnI2c0VJdUFIbVpZQlJpbEU?oc=5) · KTTN
- 2026-05-27 [Jefferson City Council to consider rezoning for Hawthorn Bank redevelopment - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMimAFBVV95cUxQc1c5UUJhb3o1c1BZMVhlLWxCelVqUmRuajRYUTI0MHVOZDkzVWp1ZG9TSktPUVowWXdwSld2Y3lXM1ZUSHhHNVlqZEdiUVNNbTZRYzMzVjA0bnZXdVdEZUZzelhfTGZzRW5lcXhkaXFEdnRqRGRTNlN4RFhfZFFUdVZ0dV9sVmhiQ3QyWndER21WMjJTNmZmQg?oc=5) · Jefferson City News Tribune
- 2026-02-06 [Cole County judge dismisses case against Hawthorn Bank over farmland auction - ABC17NEWS](https://news.google.com/rss/articles/CBMitgFBVV95cUxPbDZsUzNNSTh1a3RyVG1XeEhsRUYtV2JROFJtc0RxdlQwTVptejg3NWlCakpGNl9kUnpsTmZKc2IwdktrVzBWSlpiT0dBMmdqUFM5RmZ4S3I4emxwZGFBNWstRDA1aWtTZWpvWG9zSlMwci00S0N4VFlMazBiakNWZjJFX0I0RUJxSXE1SDJfZ2dvMm84NFBXS0Z2YUJKeVdmbTdMZ3l4aWNXUTVEeWxRMXFuMHRrQQ?oc=5) · ABC17NEWS
- 2026-07-30 [Hawthorn Bank hires new SVP with 20-plus years at Country Club Bank - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOVXN1eGltdVpMRzZNT29OcUtqdkFrcExqdHFIRXg2RHcySEt4TG5IT09NazdDMDB0OXluZEdnN2w1WDRrUFM1T0QzbmxUV05LbUZoWHhQSUNiang2eWppYTRrRlhTRTRERmdsRVdsWUpYSXlHTEoydDlWLS1hZVBsOWhSSTg2WlkxVG50elhIaXlDODFCWnJDUkF6ZGVOc29xaUtaTjU4RzdSVmxL?oc=5) · The Business Journals
- 2026-04-29 [Hawthorn Bancshares, Inc. Expands Missouri Presence with Acquisition of FSC Bancshares, Inc. - GlobeNewswire](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPOC05NS1jZEpjc3Z0b0hKUVJJa1BSQlF1MFlSWkVlOUFRV1dYbDJUQkFBR2lZcl8wU1Y5azZNX2ltcENnVmRYcC1tWng1TklCSW50LUhHNm9ST25GaktoZThuRjVBdjljYXF2UVEzZ3pOOWJZUGRlTjJ6d1Vmb0F2eUhqS2Zvel85eXJmNnlPQmtzQ0ZERHpfdHlON0NsUFR2LURfQzNXejdnajcwU0NTZHRzeFotd2x1NVNfUFhKX2JKRUxpQWZfS1NMbThERDJlNXMzbEhNOU5DdzZ3aEV4SFN0ckpOTDlNS0luMnFKUkZRZw?oc=5) · GlobeNewswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10619 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/59.json (key "10619", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide