| Metric | Hawthorn Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.7% | +5.5% | -11.2 pts |
| Deposit growth (YoY) | -1.2% | +5.1% | -6.2 pts |
| Loan growth (YoY) | -3.2% | +5.9% | -9.1 pts |
| ROA | 1.59% | 1.26% | +0.3 pts |
| ROE | 15.8% | 12.2% | +3.6 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.76B | $1.52B | $1.40B | $186.9M | $14.6M | 1.59% | 4.19% | 0.43% |
| Q1 2026 | $1.84B | $1.55B | $1.43B | $183.1M | $6.5M | 1.39% | 4.09% | 0.37% |
| Q4 2025 | $1.88B | $1.58B | $1.47B | $185.2M | $26.5M | 1.42% | 3.96% | 0.37% |
| Q3 2025 | $1.92B | $1.55B | $1.49B | $181.8M | $20.0M | 1.43% | 3.89% | 0.38% |
| Q2 2025 | $1.87B | $1.54B | $1.44B | $177.1M | $13.1M | 1.42% | 3.83% | 0.28% |
| Q1 2025 | $1.87B | $1.56B | $1.45B | $179.6M | $6.3M | 1.36% | 3.75% | 0.14% |
| Q4 2024 | $1.81B | $1.55B | $1.44B | $172.9M | $21.9M | 1.20% | 3.63% | 0.20% |
| Q3 2024 | $1.80B | $1.52B | $1.45B | $177.1M | $16.1M | 1.17% | 3.57% | 0.42% |
Loan mix (Q2 2026): real estate $1.21B · commercial $156.0M · consumer $9.3M · securities $232.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Hawthorn Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 1.26% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 12.2% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 59.0% | 48th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Hawthorn Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Hawthorn Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Hawthorn Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Hawthorn Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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