Hawthorn Bancshares Reports Second Quarter 2025 Results
Hawthorn Bancshares (NASDAQ: HWBK) reported strong Q2 2025 financial results with net income of $6.1 million, or $0.88 per diluted share, marking a 31.8% increase from Q2 2024. The bank demonstrated improved performance with a net interest margin of 3.89% and an enhanced efficiency ratio of 62.32%.
Key metrics include a return on average assets of 1.36% and return on equity of 15.85%. The bank maintained strong credit quality with non-performing assets to total loans at 0.35% and remained well-capitalized with a total risk-based capital ratio of 15.12%. Book value per share increased 14.3% year-over-year to $22.53.
The bank's balance sheet showed total assets of $1.88 billion, with loans at $1.46 billion and deposits at $1.52 billion. The Board approved a quarterly cash dividend of $0.20 per share and authorized a $10 million share repurchase program.
Hawthorn Bancshares (NASDAQ: HWBK) ha riportato solidi risultati finanziari nel secondo trimestre del 2025, con un utile netto di 6,1 milioni di dollari, pari a 0,88 dollari per azione diluita, segnando un aumento del 31,8% rispetto al secondo trimestre del 2024. La banca ha mostrato un miglioramento delle performance con un margine di interesse netto del 3,89% e un rapporto di efficienza migliorato al 62,32%.
I principali indicatori includono un rendimento medio delle attivit脿 dell'1,36% e un rendimento del capitale proprio del 15,85%. La banca ha mantenuto una solida qualit脿 del credito con attivit脿 non performanti sul totale prestiti allo 0,35% e si 猫 confermata ben capitalizzata con un rapporto totale di capitale basato sul rischio del 15,12%. Il valore contabile per azione 猫 aumentato del 14,3% su base annua, raggiungendo 22,53 dollari.
Lo stato patrimoniale della banca ha mostrato attivit脿 totali per 1,88 miliardi di dollari, con prestiti pari a 1,46 miliardi e depositi a 1,52 miliardi. Il Consiglio di Amministrazione ha approvato un dividendo trimestrale in contanti di 0,20 dollari per azione e ha autorizzato un programma di riacquisto azionario da 10 milioni di dollari.
Hawthorn Bancshares (NASDAQ: HWBK) report贸 s贸lidos resultados financieros en el segundo trimestre de 2025 con un ingreso neto de 6.1 millones de d贸lares, o 0.88 d贸lares por acci贸n diluida, lo que representa un aumento del 31.8% respecto al segundo trimestre de 2024. El banco mostr贸 un mejor desempe帽o con un margen neto de inter茅s del 3.89% y una ratio de eficiencia mejorada del 62.32%.
Las m茅tricas clave incluyen un retorno sobre activos promedio del 1.36% y un retorno sobre patrimonio del 15.85%. El banco mantuvo una fuerte calidad crediticia con activos no productivos sobre pr茅stamos totales en 0.35% y se mantuvo bien capitalizado con un ratio total de capital basado en riesgos del 15.12%. El valor en libros por acci贸n aument贸 un 14.3% interanual hasta 22.53 d贸lares.
El balance del banco mostr贸 activos totales de 1.88 mil millones de d贸lares, con pr茅stamos por 1.46 mil millones y dep贸sitos por 1.52 mil millones. La Junta aprob贸 un dividendo trimestral en efectivo de 0.20 d贸lares por acci贸n y autoriz贸 un programa de recompra de acciones por 10 millones de d贸lares.
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Hawthorn Bancshares (NASDAQ : HWBK) a annonc茅 de solides r茅sultats financiers pour le deuxi猫me trimestre 2025 avec un revenu net de 6,1 millions de dollars, soit 0,88 dollar par action dilu茅e, enregistrant une hausse de 31,8 % par rapport au deuxi猫me trimestre 2024. La banque a affich茅 une meilleure performance avec une marge nette d'int茅r锚t de 3,89 % et un ratio d'efficacit茅 am茅lior茅 脿 62,32 %.
Les indicateurs cl茅s comprennent un rendement moyen des actifs de 1,36 % et un rendement des capitaux propres de 15,85 %. La banque a maintenu une bonne qualit茅 de cr茅dit avec des actifs non performants repr茅sentant 0,35 % du total des pr锚ts et est rest茅e bien capitalis茅e avec un ratio de capital total pond茅r茅 en fonction des risques de 15,12 %. La valeur comptable par action a augment茅 de 14,3 % en glissement annuel pour atteindre 22,53 dollars.
Le bilan de la banque affichait un total d'actifs de 1,88 milliard de dollars, avec des pr锚ts 脿 1,46 milliard et des d茅p么ts 脿 1,52 milliard. Le conseil d'administration a approuv茅 un dividende trimestriel en esp猫ces de 0,20 dollar par action et a autoris茅 un programme de rachat d'actions de 10 millions de dollars.
Hawthorn Bancshares (NASDAQ: HWBK) meldete starke Finanzergebnisse f眉r das zweite Quartal 2025 mit einem Nettogewinn von 6,1 Millionen US-Dollar bzw. 0,88 US-Dollar je verw盲sserter Aktie, was einer Steigerung von 31,8 % gegen眉ber dem zweiten Quartal 2024 entspricht. Die Bank zeigte eine verbesserte Leistung mit einer Nettozinsmarge von 3,89 % und einem verbesserten Effizienzverh盲ltnis von 62,32 %.
Wichtige Kennzahlen sind eine Rendite auf das durchschnittliche Verm枚gen von 1,36 % und eine Eigenkapitalrendite von 15,85 %. Die Bank behielt eine starke Kreditqualit盲t bei, mit notleidenden Verm枚genswerten im Verh盲ltnis zu den Gesamtforderungen von 0,35 % und war mit einer risikobasierten Gesamtkapitalquote von 15,12 % gut kapitalisiert. Der Buchwert je Aktie stieg im Jahresvergleich um 14,3 % auf 22,53 US-Dollar.
Die Bilanz der Bank zeigte Gesamtverm枚gen von 1,88 Milliarden US-Dollar, Kredite in H枚he von 1,46 Milliarden und Einlagen von 1,52 Milliarden US-Dollar. Der Vorstand genehmigte eine viertelj盲hrliche Bardividende von 0,20 US-Dollar je Aktie und autorisierte ein Aktienr眉ckkaufprogramm im Umfang von 10 Millionen US-Dollar.
- Net income increased 31.8% year-over-year to $6.1 million
- Net interest margin improved to 3.89% from 3.33% year-over-year
- Efficiency ratio improved to 62.32% from 66.24% year-over-year
- Book value per share increased 14.3% to $22.53
- Strong capital position with 15.12% total risk-based capital ratio
- Credit quality improved with non-performing assets ratio decreasing to 0.35% from 0.54%
- Loans decreased $7.4 million (0.5%) quarter-over-quarter
- Deposits declined $25.9 million (1.7%) quarter-over-quarter
- Non-performing assets increased to $5.2 million from $3.1 million in previous quarter
- Non-interest income decreased 11.3% year-over-year
Insights
Hawthorn's Q2 shows impressive 31.8% YoY profit growth with improved efficiency ratio and stable credit quality despite modest balance sheet contraction.
Hawthorn Bancshares delivered strong second quarter results with net income of
The bank's net interest margin showed meaningful expansion to
From a balance sheet perspective, Hawthorn experienced modest contraction with loans decreasing
Credit quality metrics remain strong and stable with non-performing assets to total loans at
Capital ratios demonstrate Hawthorn's solid financial foundation with total risk-based capital of
The return metrics are particularly noteworthy with return on average assets at
JEFFERSON CITY, Mo., July 30, 2025 (GLOBE NEWSWIRE) -- Hawthorn Bancshares, Inc. (NASDAQ: HWBK), (the 鈥淐ompany鈥�), the bank holding company for Hawthorn Bank, reported second quarter 2025 net income of
Second Quarter 2025 Results
- Net income improved
$1.5 million , or31.8% , to$6.1 million from the second quarter 2024 (the "prior year quarter") and the efficiency ratio improved to62.32% compared to66.24% for the prior year quarter - EPS of
$0.88 , an improvement of$0.22 per share, or33% , from the prior year quarter - Net interest margin, fully taxable equivalent ("FTE") improved in the second quarter 2025 to
3.89% compared to3.67% for first quarter 2025 (the "prior quarter鈥�) - Provision for credit losses were
$0.3 million higher than the prior quarter and$0.5 million lower than the prior year quarter - Return on average assets and equity of
1.36% and15.85% , respectively - Loans decreased
$7.4 million , or0.5% , and deposits decreased$25.9 million , or1.7% , compared to the prior quarter - Investments increased
$2.8 million , or1.2% , compared to the prior quarter - Credit quality remained strong with non-performing assets to total loans of
0.35% improving from0.54% in the prior year quarter - Remained well capitalized with total risk-based capital of
15.12% - Book Value per share increased
$2.83 to$22.53 , or14.3% , compared to the prior year quarter
Brent Giles, Chief Executive Officer of Hawthorn Bancshares, Inc. commented, 鈥淎s a team, during the second quarter, I am proud of what we accomplished towards our strategic goals. The contributions across the Bank truly embodied our "One Hawthorn" spirit. I am also pleased with our financial results for the second quarter. Managing our net interest margin in highly competitive markets and controlling expenses were top initiatives during the quarter. Our strong results reflect the focus on these areas."
| (unaudited) | |||||||||||
| 听 | |||||||||||
| 听 | June 30, | 听 | March 31, | 听 | June 30, | ||||||
| 听 | 听 | 2025 | 听 | 听 | 听 | 2025 | 听 | 听 | 听 | 2024 | 听 |
| Balance sheet information | 听 | 听 | 听 | 听 | 听 | ||||||
| Total assets | $ | 听听听听听听听听1,877,417 | 听 | 听 | $ | 听听听听听听听听1,883,423 | 听 | 听 | $ | 听听听听听听听听1,847,810 | 听 |
| Loans held for investment | 听 | 听听听听听听听听1,462,898 | 听 | 听 | 听 | 听听听听听听听听1,470,323 | 听 | 听 | 听 | 听听听听听听听听1,498,504 | 听 |
| Investment securities | 听 | 听听听听听听听听229,392 | 听 | 听 | 听 | 听听听听听听听听226,581 | 听 | 听 | 听 | 听听听听听听听听191,159 | 听 |
| Deposits | 听 | 听听听听听听听听1,517,986 | 听 | 听 | 听 | 听听听听听听听听1,543,888 | 听 | 听 | 听 | 听听听听听听听听1,550,250 | 听 |
| Total stockholders鈥� equity | $ | 听听听听听听听听156,823 | 听 | 听 | $ | 听听听听听听听听153,411 | 听 | 听 | $ | 听听听听听听听听138,241 | 听 |
| 听 | 听 | 听 | 听 | 听 | 听 | ||||||
| Market and per share data | 听 | 听 | 听 | 听 | 听 | ||||||
| Book value per share | $ | 听听听听听听听听22.53 | 听 | 听 | $ | 听听听听听听听听21.97 | 听 | 听 | $ | 听听听听听听听听19.71 | 听 |
| Market price per share | $ | 听听听听听听听听29.14 | 听 | 听 | $ | 听听听听听听听听28.23 | 听 | 听 | $ | 听听听听听听听听19.80 | 听 |
| Diluted earnings per share (QTR) | $ | 听听听听听听听听0.88 | 听 | 听 | $ | 听听听听听听听听0.77 | 听 | 听 | $ | 听听听听听听听听0.66 | 听 |
Financial Results for the Second Quarter
Earnings
Net income for the second quarter 2025 was
Net income for the six months ended June听30, 2025 was
Net Interest Income and Net Interest Margin
Net interest income for the second quarter 2025 was
Interest income increased
The yield earned on average loans held for investment increased to
The average cost of deposits was
Non-interest Income
Total non-interest income for the second quarter 2025 was
Non-interest Expense
Total non-interest expense for the second quarter 2025 was
The second quarter 2025 efficiency ratio was
Loans
Loans held for investment decreased
Investments
Investments increased
Asset Quality
Non-performing assets to total loans was
In the second quarter 2025, the Company had net loan charge-offs of
The Company released provision for credit losses of
The allowance for credit losses at June听30, 2025 was
Deposits
Total deposits at June听30, 2025 were
Capital
The Company maintains its 鈥渨ell capitalized鈥� regulatory capital position. At June听30, 2025, capital ratios were as follows: total risk-based capital to risk-weighted assets
Pursuant to the Company's Repurchase Plan, management is given discretion to determine the number and pricing of the shares to be purchased under the plan, as well as the timing of any such purchases. The Board Directors amended the plan on June 3, 2025 and approved increasing the authorized repurchase limit to
On July听30, 2025, the Company's Board of Directors approved a quarterly cash dividend of
[Tables follow]
| 听 | |||||||||||
| FINANCIAL SUMMARY (unaudited) | |||||||||||
| 听 | |||||||||||
| 听 | Three听Months听Ended | ||||||||||
| 听 | June 30, | 听 | March 31, | 听 | June 30, | ||||||
| Statement of income information: | 听 | 2025 | 听 | 听 | 听 | 2025 | 听 | 听 | 听 | 2024 | 听 |
| Total interest income | $ | 听听听听听听听听23,911 | 听 | 听 | $ | 听听听听听听听听23,458 | 听 | 听 | $ | 听听听听听听听听23,556 | 听 |
| Total interest expense | 听 | 听听听听听听听听7,769 | 听 | 听 | 听 | 听听听听听听听听8,164 | 听 | 听 | 听 | 听听听听听听听听9,384 | 听 |
| Net interest income | 听 | 听听听听听听听听16,142 | 听 | 听 | 听 | 听听听听听听听听15,294 | 听 | 听 | 听 | 听听听听听听听听14,172 | 听 |
| (Release of) provision for credit losses | 听 | 听听听听听听听听(51 | ) | 听 | 听 | 听听听听听听听听(340 | ) | 听 | 听 | 听听听听听听听听457 | 听 |
| Non-interest income | 听 | 听听听听听听听听3,545 | 听 | 听 | 听 | 听听听听听听听听3,463 | 听 | 听 | 听 | 听听听听听听听听3,996 | 听 |
| Investment securities (losses) gains, net | 听 | 听听听听听听听听(1 | ) | 听 | 听 | 听听听听听听听听(2 | ) | 听 | 听 | 听听听听听听听听(15 | ) |
| Non-interest expense | 听 | 听听听听听听听听12,269 | 听 | 听 | 听 | 听听听听听听听听12,499 | 听 | 听 | 听 | 听听听听听听听听12,034 | 听 |
| Pre-tax income | 听 | 听听听听听听听听7,468 | 听 | 听 | 听 | 听听听听听听听听6,596 | 听 | 听 | 听 | 听听听听听听听听5,662 | 听 |
| Income taxes | 听 | 听听听听听听听听1,367 | 听 | 听 | 听 | 听听听听听听听听1,213 | 听 | 听 | 听 | 听听听听听听听听1,033 | 听 |
| Net income | $ | 听听听听听听听听6,101 | 听 | 听 | $ | 听听听听听听听听5,383 | 听 | 听 | $ | 听听听听听听听听4,629 | 听 |
| Earnings per share: | 听听 | 听 | 听 | 听 | 听听 | ||||||
| Basic: | $ | 听听听听听听听听0.88 | 听 | 听 | $ | 听听听听听听听听0.77 | 听 | 听 | $ | 听听听听听听听听0.66 | 听 |
| Diluted: | $ | 听听听听听听听听0.88 | 听 | 听 | $ | 听听听听听听听听0.77 | 听 | 听 | $ | 听听听听听听听听0.66 | 听 |
| 听 | 听 | 听 | 听 | 听 | 听 | ||||||
| 听 | 听 | 听 | Six Months Ended | ||||||||
| 听 | 听 | 听 | June 30, | ||||||||
| Statement of income information: | 听 | 听 | 听 | 2025 | 听 | 听 | 听 | 2024 | 听 | ||
| Total interest income | 听 | 听 | $ | 听听听听听听听听47,369 | 听 | 听 | $ | 听听听听听听听听47,608 | 听 | ||
| Total interest expense | 听 | 听 | 听 | 听听听听听听听听15,933 | 听 | 听 | 听 | 听听听听听听听听18,688 | 听 | ||
| Net interest income | 听 | 听 | 听 | 听听听听听听听听31,436 | 听 | 听 | 听 | 听听听听听听听听28,920 | 听 | ||
| (Release of) provision for credit losses | 听 | 听 | 听 | 听听听听听听听听(391 | ) | 听 | 听 | 听听听听听听听听227 | 听 | ||
| Non-interest income | 听 | 听 | 听 | 听听听听听听听听7,008 | 听 | 听 | 听 | 听听听听听听听听7,015 | 听 | ||
| Investment securities losses, net | 听 | 听 | 听 | 听听听听听听听听(3 | ) | 听 | 听 | 听听听听听听听听(15 | ) | ||
| Non-interest expense | 听 | 听 | 听 | 听听听听听听听听24,768 | 听 | 听 | 听 | 听听听听听听听听24,609 | 听 | ||
| Pre-tax income | 听 | 听 | 听 | 听听听听听听听听14,064 | 听 | 听 | 听 | 听听听听听听听听11,084 | 听 | ||
| Income taxes | 听 | 听 | 听 | 听听听听听听听听2,580 | 听 | 听 | 听 | 听听听听听听听听1,999 | 听 | ||
| Net income | 听 | 听 | $ | 听听听听听听听听11,484 | 听 | 听 | $ | 听听听听听听听听9,085 | 听 | ||
| Earnings per share: | 听 | 听 | 听 | 听 | 听 | ||||||
| Basic: | 听 | 听 | $ | 听听听听听听听听1.65 | 听 | 听 | $ | 听听听听听听听听1.29 | 听 | ||
| Diluted: | 听 | 听 | $ | 听听听听听听听听1.65 | 听 | 听 | $ | 听听听听听听听听1.29 | 听 | ||
| 听 | ||||||||||||||
| FINANCIAL SUMMARY (continued) (unaudited) | ||||||||||||||
| 听 | ||||||||||||||
| 听 | As of or for the three months ended | |||||||||||||
| 听 | June 30, | 听 | March 31, | 听 | June 30, | |||||||||
| 听 | 听2025 | 听 | 听2025 | 听 | 听2024 | |||||||||
| Performance Ratios | 听 | 听 | 听 | 听 | 听 | |||||||||
| Return on average assets | 听 | 听听听听听听听听1.36 | 听 | % | 听 | 听 | 听听听听听听听听1.20 | 听 | % | 听 | 听 | 听听听听听听听听1.02 | 听 | % |
| Return on average common equity | 听 | 听听听听听听听听15.85 | 听 | % | 听 | 听 | 听听听听听听听听14.29 | 听 | % | 听 | 听 | 听听听听听听听听13.75 | 听 | % |
| Net interest margin (FTE) | 听 | 听听听听听听听听3.89 | 听 | % | 听 | 听 | 听听听听听听听听3.67 | 听 | % | 听 | 听 | 听听听听听听听听3.33 | 听 | % |
| Efficiency ratio | 听 | 听听听听听听听听62.32 | 听 | % | 听 | 听 | 听听听听听听听听66.64 | 听 | % | 听 | 听 | 听听听听听听听听66.24 | 听 | % |
| 听 | 听 | 听 | 听 | 听 | 听 | |||||||||
| Asset Quality Ratios | 听 | 听 | 听 | 听 | 听 | |||||||||
| Non-performing loans (a) | $ | 听听听听听听听听2,761 | 听 | 听 | 听 | $ | 听听听听听听听听2,461 | 听 | 听 | 听 | $ | 听听听听听听听听4,437 | 听 | 听 |
| Non-performing assets | $ | 听听听听听听听听5,186 | 听 | 听 | 听 | $ | 听听听听听听听听3,129 | 听 | 听 | 听 | $ | 听听听听听听听听8,062 | 听 | 听 |
| Net charge-offs | $ | 听听听听听听听听51 | 听 | 听 | 听 | $ | 听听听听听听听听(18 | ) | 听 | 听 | $ | 听听听听听听听听1,977 | 听 | 听 |
| Net Charge-offs to Average Loans (b) | 听 | 听听听听听听听听0.01 | 听 | % | 听 | 听 | 听听听听听听听听0.00 | 听 | % | 听 | 听 | 听听听听听听听听0.53 | 听 | % |
| Allowance for credit losses to total loans | 听 | 听听听听听听听听1.47 | 听 | % | 听 | 听 | 听听听听听听听听1.48 | 听 | % | 听 | 听 | 听听听听听听听听1.47 | 听 | % |
| Non-performing loans to total loans | 听 | 听听听听听听听听0.19 | 听 | % | 听 | 听 | 听听听听听听听听0.17 | 听 | % | 听 | 听 | 听听听听听听听听0.30 | 听 | % |
| Non-performing assets to loans | 听 | 听听听听听听听听0.35 | 听 | % | 听 | 听 | 听听听听听听听听0.21 | 听 | % | 听 | 听 | 听听听听听听听听0.54 | 听 | % |
| Non-performing assets to total assets | 听 | 听听听听听听听听0.28 | 听 | % | 听 | 听 | 听听听听听听听听0.17 | 听 | % | 听 | 听 | 听听听听听听听听0.44 | 听 | % |
| Allowance for credit losses on loans to non-performing loans | 听 | 听听听听听听听听781.24 | 听 | % | 听 | 听 | 听听听听听听听听885.01 | 听 | % | 听 | 听 | 听听听听听听听听495.38 | 听 | % |
| 听 | 听 | 听 | 听 | 听 | 听 | |||||||||
| Capital Ratios | 听 | 听 | 听 | 听 | 听 | |||||||||
| Average stockholders' equity to average total assets | 听 | 听听听听听听听听8.56 | 听 | % | 听 | 听 | 听听听听听听听听8.42 | 听 | % | 听 | 听 | 听听听听听听听听7.40 | 听 | % |
| Period-end stockholders' equity to period-end assets | 听 | 听听听听听听听听8.35 | 听 | % | 听 | 听 | 听听听听听听听听8.15 | 听 | % | 听 | 听 | 听听听听听听听听7.48 | 听 | % |
| Total risk-based capital ratio | 听 | 听听听听听听听听15.12 | 听 | % | 听 | 听 | 听听听听听听听听14.94 | 听 | % | 听 | 听 | 听听听听听听听听14.30 | 听 | % |
| Tier 1 risk-based capital ratio | 听 | 听听听听听听听听13.87 | 听 | % | 听 | 听 | 听听听听听听听听13.69 | 听 | % | 听 | 听 | 听听听听听听听听12.94 | 听 | % |
| Common equity Tier 1 capital | 听 | 听听听听听听听听10.82 | 听 | % | 听 | 听 | 听听听听听听听听10.64 | 听 | % | 听 | 听 | 听听听听听听听听10.02 | 听 | % |
| Tier 1 leverage ratio | 听 | 听听听听听听听听11.87 | 听 | % | 听 | 听 | 听听听听听听听听11.64 | 听 | % | 听 | 听 | 听听听听听听听听10.94 | 听 | % |
| 听 | ||||||||||||||
| (a)听听听Non-performing loans include loans 90-days past due and accruing and non-accrual loans. | ||||||||||||||
| (b)听听听Annualized | ||||||||||||||
About Hawthorn Bancshares
Hawthorn Bancshares, Inc., a financial-bank holding company headquartered in Jefferson City, Missouri, is the parent company of Hawthorn Bank, which has served families and businesses for more than 150 years. Hawthorn Bank has multiple locations, including in the greater Kansas City metropolitan area, Jefferson City, Columbia, Springfield, and Clinton.
Contact:
Hawthorn Bancshares, Inc.
Brent M. Giles
Chief Executive Officer
TEL: 573.761.6100
www.HawthornBancshares.com
The financial results in this press release reflect preliminary, unaudited results, which are not final until the Company's Quarterly Report on Form 10-Q is filed. Statements made in this press release that suggest the Company's or management's intentions, hopes, beliefs, expectations, or predictions of the future include "forward-looking statements" within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended. It is important to note that actual results could differ materially from those projected in such forward-looking statements. Additional information concerning factors that could cause actual results to differ materially from those projected in such forward-looking statements is contained from time to time in the Company's quarterly and annual reports filed with the Securities and Exchange Commission. These forward-looking statements are made as of the date of this communication, and the Company disclaims any obligation to update any forward-looking statement or to publicly announce the results of any revisions to any of the forward-looking statements included herein, except as required by law.
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