BlastPoint's Banking Scorecard
Hawthorn Bank
Designations: ✓ Community bank
Jefferson City, MO
18 branches across MO · KS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
- Deposits -1.2% year over year ($1.5B on the books).
- Delinquency rate 0.48%.
- Return on assets 1.59%.
- Efficiency ratio 58.57% vs a 59.73% peer average.
- Loan-to-deposit ratio 91.77% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Hawthorn Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.20% above tier average
- + Net Interest Margin 0.32% above tier average
- + Efficiency Ratio 1.16% below tier average
- + Delinquency Rate 0.39% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.0% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
-5.7% YoY
-4.5% QoQ
|
-$1.0B |
$2.8B
-0.6% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
44% |
| Total Loans ? |
$1.4B
-3.2% YoY
-2.6% QoQ
|
-$567.4M |
$2.0B
-0.3% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
51% |
| Total Deposits ? |
$1.5B
-1.2% YoY
-1.7% QoQ
|
-$797.9M |
$2.3B
-0.5% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
46% |
| Return on Assets ? |
1.59%
+12.5% YoY
+14.6% QoQ
|
+0.20% |
1.39%
+17.0% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
73% |
| Net Interest Margin ? |
4.19%
+9.3% YoY
+2.4% QoQ
|
+0.32% |
3.87%
+6.2% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
77% |
| Efficiency Ratio ? |
58.57%
-2.6% YoY
-3.0% QoQ
|
-1.16% |
59.73%
-12.6% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
52% |
| Delinquency Rate ? |
0.48%
+148.9% YoY
+0.6% QoQ
|
-0.39% |
0.87%
+11.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
91.77%
-2.0% YoY
-1.0% QoQ
|
+6.74% |
85.04%
-0.1% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
30.23%
+4.1% YoY
+1.2% QoQ
|
+8.96% |
21.27%
-1.5% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
85% |
| Nonperforming Asset Ratio ? |
0.43%
+53.4% YoY
+14.6% QoQ
|
-0.25% |
0.67%
+11.7% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
13.23%
+2.3% YoY
+2.3% QoQ
|
-1.61% |
14.84%
-0.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.43%
+34.6% YoY
+195.7% QoQ
|
-0.10% |
0.53%
+2.5% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
74% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
30.2%
+1.2pp YoY +0.4pp QoQ |
+8.9pp | 21.4% | 20.9% | 22.2% | 85% |
| Brokered Deposits |
0.3%
+0.3pp YoY 0.0pp QoQ |
-9.2pp | 9.5% | 7.4% | 8.5% | 8% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.2%
0.0pp YoY -1.0pp QoQ |
-2.8pp | 14.0% | 12.3% | 12.5% | 50% |
| CRE |
54.5%
+1.5pp YoY +0.8pp QoQ |
+4.5pp | 50.0% | 36.8% | 41.4% | 63% |
| 1-4 Family |
26.5%
+0.1pp YoY +0.9pp QoQ |
+0.1pp | 26.4% | 31.9% | 31.3% | 58% |
| Consumer |
0.7%
-0.2pp YoY 0.0pp QoQ |
-4.1pp | 4.7% | 4.1% | 5.0% | 36% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.2%
+0.3pp YoY +0.3pp QoQ |
-2.4pp | 15.6% | 18.5% | 19.7% | 45% |
| Leverage Ratio |
11.3%
+0.2pp YoY +0.3pp QoQ |
0.0pp | 11.3% | 11.6% | 12.6% | 65% |
| Total Capital Ratio |
14.5%
+0.3pp YoY +0.3pp QoQ |
-2.2pp | 16.7% | 19.6% | 20.8% | 46% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
269
+19 (+7.6%) YoY -7 (-2.5%) QoQ |
-45 | 313 | 162 | 482 | 59% |
| Assets per Employee ($) |
$6.5M
-12.4% YoY -2.0% QoQ |
-$3.9M | $10.5M | $8.0M | $8.8M | 18% |
| Branch Count |
18
-1 (-5.3%) YoY 0 QoQ |
-2 | 20 | 10 | 18 | 60% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.3% | 0.4% | 33% |
| Nonaccrual |
0.5%
+0.3pp YoY 0.0pp QoQ |
-0.4pp | 0.8% | 0.8% | 1.0% | 45% |
| Allowance Coverage |
3.11x
-60.1% YoY +1.1% QoQ |
-15.60x | 18.71x | 10.47x | 20.23x | 65% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.3% | 0.2% | 44% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.8%
+0.9pp YoY +1.7pp QoQ |
+3.2pp | 12.6% | 14.3% | 11.6% | 78% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.9% | 1.8% | 1.7% | 22% |
| Net Income ($, YTD) |
$14.6M
+11.2% YoY — QoQ |
-$4.7M | $19.2M | $11.3M | $40.4M | 59% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.