Hawthorn Bank

132 East High Street
Jefferson City, MO 65101

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 10619
Date Established 1911
Assets $1.53 billion
Loans $1.14 billion
Deposits $1.25 billion
Capital $0.15 billion

Hawthorn Bank is an FDIC insured institution located in Jefferson City, MO. It was founded in 1911 and has approximately $1.53 billion in assets. Customers can open an account at one of its 23 branches.

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 - August 25, 2019

Your Current Location: Washington, WA 98101

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $1,500 $4,999 Learn MoreShow Less
Money Market
0.05% $1,500 $19,999 Learn MoreShow Less
Money Market
0.10% $5,000 $14,999 Learn MoreShow Less
Money Market
0.15% $20,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.05% $1,000 - Learn MoreShow Less
3 Mo CD
0.15% $1,000 - Learn MoreShow Less
3 Mo CD
0.10% $1,000 - Learn MoreShow Less
6 Mo CD
0.20% $1,000 - Learn MoreShow Less
6 Mo CD
0.05% $1,000 - Learn MoreShow Less
Special: 10 Mo CD
1.89% $10,000 - Learn MoreShow Less
12 Mo CD
0.25% $1,000 - Learn MoreShow Less
12 Mo CD
0.35% $1,000 - Learn MoreShow Less
18 Mo CD
0.30% $1,000 - Learn MoreShow Less
18 Mo CD
0.40% $1,000 - Learn MoreShow Less
Special: 23 Mo CD
1.99% $10,000 - Learn MoreShow Less
24 Mo CD
0.35% $1,000 - Learn MoreShow Less
24 Mo CD
0.40% $1,000 - Learn MoreShow Less
24 Mo CD
0.45% $1,000 - Learn MoreShow Less
24 Mo CD
0.50% $1,000 - Learn MoreShow Less
36 Mo CD
0.55% $1,000 - Learn MoreShow Less
36 Mo CD
0.50% $1,000 - Learn MoreShow Less
36 Mo CD
0.45% $1,000 - Learn MoreShow Less
36 Mo CD
0.80% $1,000 - Learn MoreShow Less
48 Mo CD
0.70% $1,000 - Learn MoreShow Less
48 Mo CD
0.75% $1,000 - Learn MoreShow Less
48 Mo CD
1.00% $1,000 - Learn MoreShow Less
60 Mo CD
0.85% $1,000 - Learn MoreShow Less
60 Mo CD
0.80% $1,000 - Learn MoreShow Less
60 Mo CD
1.16% $1,000 - Learn MoreShow Less
60 Mo CD
0.95% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.25% $1,000 - Learn MoreShow Less
Fixed IRA
0.35% $1,000 - Learn MoreShow Less
Special: 10 Mo FIRA
1.89% $10,000 - Learn MoreShow Less
Special: 23 Mo FIRA
1.99% $10,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 - Learn MoreShow Less

Loan Rates - August 25, 2019

Your Current Location: Washington, WA 98101

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:
Seattle,Washington


Hawthorn Bank Locations


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
9.99% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 March 31, 2019, Hawthorn Bank had $5,576,000 in non-current loans and $10,987,000 in owned real estate. To cover these potential losses it had $154,001,000 in equity and $11,845,000 in loans loss reserves. That gives it a Texas Ratio of 9.99%.

Return on Equity
Hawthorn Bank U.S. Bank Average
14.43% 9.47%

Hawthorn Bank has a Return on Equity of 14.43% versus the BestCashCow average of 9.47%. 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
10.06% 12.49%

Hawthorn Bank has a Capitalization of 10.06% versus the BestCashCow average of 12.49. 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 March 31, 2019, Hawthorn Bank had assets of $1,530,782,000, loans of $1,142,807,000, and deposits of $1,252,150,000. 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

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.04 billion
Interest-bearing balances $0.02 billion
Total securities $0.22 billion
Federal funds sold and reverse repurchase $0.06 billion
Net loans and leases $1.14 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.02 billion
     Total Assets $1.38 billion
LIABILITIES
Total deposits $1.25 billion
      Interest-bearing deposits $1.18 billion
      Deposits held in domestic offices $1.25 billion
      % insured (estimated) 66.09%
Federal funds purchased and repurchase agreements $0.02 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.10 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $1.38 billion
      Shareholders’ Equity $0.15 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.01 billion

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 Small Business Loans, Construction and Development Loans 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 21.71
Multifamily
Mortgages
4.51
Credit Card Loans 0.16
Consumer Auto Loans 1.90
Small Business Loans 9.39
Construction and Development Loans 11.89
Commercial Real Estate 35.16
Commercial and Industrial Loans 13.85
Farm Loans 1.99

Frequently Asked Questions About Hawthorn Bank

Branches and Savings

Is Hawthorn Bank FDIC insured?

Yes. It is covered under FDIC Certificate #10619.

Why does Hawthorn Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Hawthorn Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Hawthorn Bank a commercial bank?

Yes

Where are Hawthorn Bank locations?

See branch locations nearby.

Is Hawthorn Bank open on Saturdays?

Is Hawthorn Bank open on Sundays?

What time does Hawthorn Bank open?

What time does Hawthorn Bank close?

Are Hawthorn Bank ATMs Open 24/7?

Do Hawthorn Bank ATMs accept cash deposits?

Can Hawthorn Bank customers use other ATMs?

Do Hawthorn Bank branches have notaries?

Will Hawthorn Bank notarize my document?

What address for Hawthorn Bank should I put for incoming ACH transfers?

Will the Hawthorn Bank branch print checks?

Do Hawthorn Bank checks expire?

Does Hawthorn Bank require US citizenship to open account?

Can Hawthorn Bank close my account?

Does Hawthorn Bank Report to credit bureaus?

Does Hawthorn Bank Use Equifax?

What is Hawthorn Bank's ACH Routing Number?

What is Hawthorn Bank's SWIFT code?

Products

Does Hawthorn Bank offer mortgages?

Compare mortgage rates here.

Does Hawthorn Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Hawthorn Bank offer personal loans?

Compare personal loan rates here.

Does Hawthorn Bank offer student loans?

Will Hawthorn Bank cash a check?

Will Hawthorn Bank redeem a savings bond?

Does Hawthorn Bank cash savings bonds?

Will Hawthorn Bank cash money orders?

Can Hawthorn Bank issue a money order?

Does Hawthorn Bank do currency exchange?

Background on The Bank

Who owns Hawthorn Bank?

How long has Hawthorn Bank been around?

Can Hawthorn Bank transfer to other banks?

Does Hawthorn Bank have quick pay?

Does Hawthorn Bank accept rolled coins?

Will Hawthorn Bank accept loose change?

Where is Hawthorn Bank headquarters?

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