Hawthorn Bank

Headquarters

132 E High St
Jefferson City, MO 65101
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Notable Rates APY Vs.Others
Savings N.A. 5.50% →
1-Year CD N.A. 4.80% →
2-Year CD N.A. 4.25% →
5-Year CD N.A. 4.00% →
30-Year Mortgage 7.30% 4.91% →
15-Year Mortgage 6.83% 4.39% →
HELOC N.A. 0.99% →

Reviewed by mike | April 5, 2023 | | Replies 1

horrid bank with incompetent and rude staff that treat you like a problem for wanting to do banking business. As if doing there job in a problem you caused instead of a customer to be served. closed my accounts after more that ten years. Do yourself a favor and bank anywhere else.


2024 Overview

General Bank Information

Hawthorn Bank is an FDIC insured institution located in Jefferson City, MO. It was founded in 1911 and has approximately $1.84 billion in assets. Customers can open an account at one of its 23 branches.

FDIC Insured Yes
FDIC Certificate # 10619
Date Established 1911
Assets $ 1,840.25 million
Loans $ 1,477.89 million
Deposits $ 1,556.74 million
Capital $ 172.00 million
 

For a more detailed analysis of Hawthorn Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - November 23, 2024

Your Current Location: Ohio, OH 43085


Loan Rates - November 23, 2024

Your Current Location: Ohio, OH 43085

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Hawthorn Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio



Climate Policy and Initiatives

Hawthorn Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.


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Financial Details

Hawthorn Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Hawthorn Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Hawthorn Bank U.S. Bank Average
3.74% 4.48%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2024, Hawthorn Bank had $4,437,000 in non-current loans and $2,820,000 in owned real estate. To cover these potential losses it had $171,996,000 in equity and $21,980,000 in loans loss reserves. That gives it a Texas Ratio of 3.74%.

Return on Equity
Hawthorn Bank U.S. Bank Average
12.89% 10.46%

Hawthorn Bank has a Return on Equity of 12.89% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Hawthorn Bank U.S. Bank Average
9.35% 10.84%

Hawthorn Bank has a Capitalization of 9.35% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Hawthorn Bank Balance Sheet Analysis

As of June 30, 2024, Hawthorn Bank had assets of $1,840,251,000, loans of $1,477,892,000, and deposits of $1,556,740,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2024
ASSETS
Cash & Balances due from depository institutions $ 76.84 million
Interest-bearing balances $ 60.09 million
Total securities $ 184.18 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,477.89 million
Loan loss allowance $ 21.98 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.82 million
Goodwill and other intangibles N.A.
All other assets $ 30.24 million
     Total Assets $ 1,668.26 million
LIABILITIES
Total deposits $ 1,556.74 million
      Interest-bearing deposits $ 1,148.63 million
      Deposits held in domestic offices $ 1,556.74 million
      % insured (estimated) 76.50%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 68.00 million
Subordinated debt N.A.
All other liabilities $ 6.92 million
      Total Liabilities $ 1,668.26 million
      Shareholders’ Equity $ 172.00 million

Summary Income Statement

June 30, 2024
INCOME AND EXPENSES
Total Interest Income $ 47.55 million
Total Interest Expense $ 16.71 million
Net interest income $ 30.84 million
Provision for loan and lease losses $ 0.23 million
Total non interest income $ 6.42 million
Total non interest expense $ 23.33 million
Pre-tax Net Operating Income $ 14.74 million

Bank Loan Profile?

The top three loan types in Hawthorn Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Missouri, Hawthorn Bank has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 21.23
Multifamily
Mortgages
5.64
Credit Card Loans 0.11
Consumer Auto Loans 0.87
Small Business Loans 6.96
Construction and Development Loans 9.66
Commercial Real Estate 35.46
Commercial and Industrial Loans 12.26
Farm Loans 1.60

Customer Reviews for Hawthorn Bank (4)


  • April 5, 2023 | | Replies 1

    horrid bank with incompetent and rude staff that treat you like a problem for wanting to do banking business. As if doing there job in a problem you caused instead of a customer to be served. closed my accounts after more that ten years. Do yourself a favor and bank anywhere else.

    mike also | May 31, 2023

    sounds like someone expects the respect that they don't want to give out.

  • November 4, 2020 |

    When you open a loan, they do not put that account with your others. This makes it extremely hard to pay it. This also allows them to rack up extra interest. Our loan officer was sarcastic and rude and unhelpful about the issue. His boss did nothing about the employee's behavior and thwn the boss's boss never returned my phone call. They obviously don't care about customer service or retaining customers. The employees are allowed to say what they want and treat you how they want with no repercussions.

  • September 27, 2020 |

    You guys are thieves stealing from struggling families right now.


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