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Hawthorn Bancshares (HWBK) investor relations material
Hawthorn Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Net income for Q3 2025 was $6.1 million ($0.88 per diluted share), up 34.1% year-over-year and 0.5% sequentially; nine-month net income was $17.6 million ($2.53 per share), up from $13.7 million ($1.95 per share) year-over-year.
Return on average assets was 1.33% for Q3 2025 and 1.30% for the nine months; return on equity was 15.21% and 15.13%, respectively.
Total assets reached $1.93 billion as of September 30, 2025.
Loans grew 3.5% sequentially to $1.51 billion; deposits increased 0.5% to $1.53 billion.
Book value per share increased 5.5% sequentially and 13.6% year-over-year to $23.76.
Financial highlights
Net interest income for Q3 2025 was $16.9 million, up 17.8% year-over-year and $0.7 million sequentially; nine-month net interest income was $48.3 million, up 11.7%.
Net interest margin (FTE) increased to 3.97% for Q3 2025 from 3.36% in Q3 2024 and 3.89% in the prior quarter.
Non-interest income was $3.7 million for Q3 2025, up 4.8% sequentially but nearly flat year-over-year; nine-month non-interest income was $10.7 million.
Non-interest expense rose 4.5% sequentially and 6.9% year-over-year to $12.8 million, mainly due to higher salaries and benefits.
Efficiency ratio improved to 62.3% for Q3 2025 from 66.2% in Q3 2024.
Outlook and guidance
Management expects continued focus on commercial banking, mortgage lending, and wealth management growth, with a strategic focus on shareholder value.
The company maintains a well-capitalized position and expects to continue paying quarterly dividends, with a $0.20 per share dividend approved for January 1, 2026.
Commercial relationship to non-accrual status
Implications of deposit mix changes
Strategy for remaining share repurchases
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Next Hawthorn Bancshares earnings date
Q4 202522 Jan, 2026
Next Hawthorn Bancshares earnings date
Q4 202522 Jan, 2026
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Frequently asked questions
Hawthorn Bancshares, Inc. is the bank holding company for Hawthorn Bank, which provides a range of banking services in the United States. The company offers various deposit products, including checking, savings, money market, individual retirement accounts, and certificates of deposit. It also provides a broad range of loan products, such as commercial, industrial, residential, and consumer loans, in addition to specialized loans for equipment and small businesses. Hawthorn Bancshares further offers trust and estate planning services, investment and asset management, as well as cash management, brokerage, and internet banking services. The company is headquartered in Jefferson City, Missouri, and its shares are listed on the NASDAQ.
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