BlastPoint's Banking Scorecard
Hawthorn Bank
Community
Specialty: Commercial
MO
FDIC cert 10619
Jefferson City, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Hawthorn Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 11% in Community
- - Credit Risk Growth: Bottom 14% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+3.8% YoY
-2.0% QoQ
|
+$490.3M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$1.5B
+1.5% YoY
-1.8% QoQ
|
+$490.8M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$1.6B
+2.0% YoY
+2.1% QoQ
|
+$415.0M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
1.42%
+18.7% YoY
-0.9% QoQ
|
+0.25% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
3.96%
+9.0% YoY
+1.9% QoQ
|
+0.30% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
60.00%
-3.4% YoY
+0.9% QoQ
|
-2.63% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
0.47%
+146.1% YoY
+42.4% QoQ
|
-0.16% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
92.82%
-0.5% YoY
-3.8% QoQ
|
+9.76% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
28.87%
+11.7% YoY
-1.0% QoQ
|
+7.82% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.37%
+83.9% YoY
-3.1% QoQ
|
-0.13% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
12.83%
-0.1% YoY
+2.6% QoQ
|
+2.59% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.66%
-10.6% YoY
+37.0% QoQ
|
-0.08% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#57 of 513 · Bottom 11% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.82%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#90 of 642 · Bottom 14% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 28.87% · Tier avg: 21.05%
80
80th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
77
77th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
77
77th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
70
70th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.16%
68
68th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.66%
66
66th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
56
56th pctile
Efficiency Ratio
Current: 60.00% · Tier avg: 62.63%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.83% · Tier avg: 10.24%
49
49th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
27
27th pctile
Loan-to-Deposit Ratio
Current: 92.82% · Tier avg: 83.06%
Top Weaknesses
27
27th pctile
Loan-to-Deposit Ratio
Current: 92.82% · Tier avg: 83.06%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
49
49th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.83% · Tier avg: 10.24%
56
56th pctile
Efficiency Ratio
Current: 60.00% · Tier avg: 62.63%
66
66th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
68
68th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.66%
70
70th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.16%
77
77th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
77
77th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
80
80th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 28.87% · Tier avg: 21.05%