Hawthorn Bancshares reported fourth quarter (Q4) 2025 net income of USD 6.2 million, with earnings per diluted share $(EPS)$ of USD 0.90. For the full year (FY) ended December 31, 2025, net income was USD 23.8 million and diluted EPS was USD 3.43. Total interest income for FY 2025 was USD 97.7 million, while net interest income reached USD 65.9 million. The net interest margin (fully taxable equivalent) improved to 4.03% in Q4 2025. Non-interest income for the year totaled USD 14.3 million. The provision for credit losses was USD 0.4 million for the quarter and USD 0.4 million for the year. Return on average assets was 1.30% for FY 2025, and return on average equity was 14.95%. The efficiency ratio improved by 451 basis points to 63.41% for the year. Loans stood at USD 1.49 billion and deposits at USD 1.55 billion as of December 31, 2025. Book value per share increased by 17.6% to USD 25.13 at year-end. Total risk-based capital was 15.49%.

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