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Hawthorn Bancshares (HWBK) investor relations material
Hawthorn Bancshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary30 Jul, 2025
Executive summary
Net income for Q2 2025 was $6.1 million, up 31.8% year-over-year and 13.3% sequentially; six-month net income was $11.5 million, up from $9.1 million year-over-year.
Diluted EPS increased to $0.88 for Q2 2025, a 33% rise from Q2 2024 and up from $0.77 in Q1 2025; six-month diluted EPS was $1.65, up from $1.29.
Efficiency ratio improved to 62.3% for Q2 2025 from 66.2% in Q2 2024, reflecting better cost control.
Return on average assets was 1.36% and return on average equity was 15.85% for Q2 2025.
Non-interest income declined 11.3% year-over-year for Q2 2025, mainly due to lower gains on mortgage loan sales and real estate.
Financial highlights
Net interest income for Q2 2025 was $16.1 million, up $2.0 million year-over-year; six-month net interest income was $31.4 million, up from $28.9 million.
Net interest margin increased to 3.89% from 3.33% year-over-year and 3.67% in Q1 2025.
Non-interest expense was $12.3 million for Q2 2025, up 2.0% year-over-year; six-month non-interest expense was $24.8 million, up 0.6%.
Book value per share increased 14.3% year-over-year to $22.53.
Total assets reached $1.88 billion at June 30, 2025, up from $1.83 billion at December 31, 2024.
Outlook and guidance
Management expects the recently enacted One Big Beautiful Bill Act to have no material impact on future results.
The company maintains a well-capitalized position and expects to continue paying quarterly dividends.
Management remains focused on managing net interest margin and controlling expenses in a competitive market.
Forward-looking statements caution that actual results may differ due to various risk factors.
Detail the strategy for deposit retention
Is the credit loss provision release sustainable?
Explain the shift from loans to investments
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Next Hawthorn Bancshares earnings date
Q3 202527 Oct, 2025
Next Hawthorn Bancshares earnings date
Q3 202527 Oct, 2025
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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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