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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Hawthorn Bancshares
Hawthorn Bancshares (HWBK) investor relations material
Hawthorn Bancshares Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary30 Oct, 2026
Executive summary
Q3 2026 net income was $7.1 million, up 15.2% YoY; diluted EPS was $1.01, versus $0.88 YoY. Adjusted net income was $8.6 million and adjusted diluted EPS was $1.23.
FTE net interest margin rose to 4.41% from 4.16% QoQ and 3.97% YoY.
FSC acquisition drove much of the QoQ increase in loans, deposits and investments; results included FSC operations beginning September 3, 2026.
Financial highlights
Net interest income was $19.3 million, up $2.0 million QoQ and $2.4 million YoY; interest income rose $1.8 million YoY while interest expense fell $0.7 million.
Non-interest income was $3.7 million, down 31.1% QoQ after a prior-quarter gain on sale of an unused administrative office; it was unchanged YoY.
Non-interest expense was $14.9 million, up 8.7% QoQ and 16.6% YoY; Q3 acquisition-related costs were $2.0 million.
Income tax expense was $0.8 million, with a 10.0% effective tax rate, reduced by use of federal tax credits purchased at a discount.
Nine-month net income was $20.1 million versus $17.6 million in 2025; diluted EPS was $2.90 versus $2.53.
Outlook and guidance
FSC is expected to operate as a separate division until its merger into Hawthorn Bank, expected in March 2027.
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Latest events from Hawthorn Bancshares
- Earnings and margins improved, capital remained strong, and a major acquisition is pending.HWBK
Q2 2026 - Q1 2026 net income up 25.9% year-over-year, with higher EPS and strong capital ratios.HWBKQ1 2026
- Shareholders will vote on director elections, auditor ratification, and executive compensation.HWBKProxy filing
- Annual meeting to elect directors, ratify auditor, and approve executive pay and voting frequency.HWBKProxy filing
- Earnings, margins, and book value rose; dividend and share repurchases increased.HWBKQ4 2025
- Plans to offer up to $150 million in securities to support growth and corporate initiatives.HWBKRegistration Filing
- Plans to raise up to $150M via shelf registration, offering multiple securities on Nasdaq.HWBKRegistration Filing
- Proxy covers director elections, auditor ratification, and executive pay, with strong governance focus.HWBKProxy Filing
- Annual meeting to elect four directors, ratify auditor, and approve executive pay.HWBKProxy Filing
Next Hawthorn Bancshares earnings date
Q4 202622 Jan, 2027
Hawthorn Bancshares
Next Hawthorn Bancshares earnings date
Q4 202622 Jan, 2027
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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.