Compared with Missouri
13 of 21
compared fees are above the median.
2 below, 6 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
69th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Missouri median
of 21 compared; 2 below, 6 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Hawthorn Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Missouri median | Published fees above the Missouri median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Hawthorn Bank's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.1% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (69th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $700K in Q2 2026, 15% below the same quarter a year earlier ($819K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
13 of 21 compared published fees sit above the Missouri median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Missouri medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Platinum Interest Checking
Can be waived with a balance of $5,000 or more.
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 14% from Q3 2025 to Q2 2026, to $700K. Its share of revenue, 3.1%, is above the 2.2% median for banks with $1B to $10B in assets.
$700K
Hawthorn BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Hawthorn Bank · $1.8B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Hawthorn Bank(this institution) | Jefferson City, MO | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Androscoggin Savings Bank | Lewiston, ME | $1.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Benchmark Bank | Plano, TX | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cape & Coast Bank | Yarmouth Port, MA | $1.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Chelsea Groton Bank | Groton, CT | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community Bank | Carmichaels, PA | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cornerstone Bank | Fargo, ND | $1.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Embassy Bank for the Lehigh Valley | Bethlehem, PA | $1.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fall River Five Cents Savings Bank | Fall River, MA | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| FirstBank Southwest | Amarillo, TX | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Forcht Bank, National Association | Lexington, KY | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Horicon Bank | Horicon, WI | $1.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ives Bank | Danbury, CT | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kennebec Savings Bank | Augusta, ME | $1.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Main Street Bank | Marlborough, MA | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Meredith Village Savings Bank | Meredith, NH | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Newtown Savings Bank | Newtown, CT | $1.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Easton Savings Bank | South Easton, MA | $1.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Security Bank and Trust Company | Paris, TN | $1.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Servbank, National Association | Oswego, IL | $1.7B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sutton Bank | Attica, OH | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The National Bank of Blacksburg | Blacksburg, VA | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Ohio Valley Bank Company | Gallipolis, OH | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Security National Bank of Sioux City, Iowa | Sioux City, IA | $1.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| US Metro Bank | Garden Grove, CA | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Virginia National Bank | Charlottesville, VA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $8, against a peer median of $8.50 among 14 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Hawthorn Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $700K | −$17K | −2.4% |
| Q1 2026 | $717K | −$71K | −9.0% |
| Q4 2025 | $788K | −$30K | −3.7% |
| Q3 2025 | $818K | −$1K | −0.1% |
| Q2 2025 | $819K | +$34K | +4.3% |
| Q1 2025 | $785K | +$84K | +12.0% |
| Q4 2024 | $701K | −$21K | −2.9% |
| Q3 2024 | $722K | +$94K | +15.0% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Hawthorn Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Hawthorn Bank by share.
Amounts from Hawthorn Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Platinum Interest Checking Monthly fee | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Closeout Fee (Account Closed Within 90 Days of Opening) | $50Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Service Charge Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconciliation or Balancing (Per hour, minimum one hour) | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research (Per hour, minimum one hour) | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee (Monthly) | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Item Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Return Item Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM Inquiry/Transaction Fee (Non-Hawthorn ATM) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee - Outgoing Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fee - Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Fee - Outgoing International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check Fee (Customers only) | $8Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Fee | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Check Fee | $0.25Below the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing for Non-customers (only checks drawn on Hawthorn Bank) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Canadian Item Processing | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy (Per page) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Online Banking: Account Access, Bill Payment | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Notary Service (Customers Only) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box Drill Fee | $250Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Key Replacement | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Late Payment | $5Not compared: Box drilling or key fee | Not stated | None |
| Garnishment Processing Fee | $150Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Tax Levy Processing Fee | $150Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Statement Reprint | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Hawthorn Bank operates, and what regulators and customers have on file.
Branch footprint
18 offices in 2 states, $1.5B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 5 | $596.3M | |
| 7 | $390.9M | |
| Outside a metro area | 3 | $380.3M |
| 2 | $116.4M | |
| 1 | $37.0M |
Jefferson City, MO
7.7% of bank deposits, #3 of 20, down 1.7 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| The Central Trust Bank | 54.5% |
| Mid America Bank | 11.1% |
| Legends Bank | 4.8% |
| The Callaway Bank | 3.6% |
| Midwest Independent BankersBank | 3.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Jefferson City, MO, Hawthorn Bank holds 7.7% of bank deposits, #3 of 20, with 5 offices.
The fee comparison uses its home metro, Kansas City, MO-KS.
81 offices of 35 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 20 institutions shown. $7.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 7.7% share, 5 offices, #3 of 20
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
22 offices of 15 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
HAWTHORN BANCSHARES, INC. (Nasdaq: HWBK)
Consolidated assets
$1.8B
Shareholders' equity
$182.8M
As of
2026Q2
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 893847. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.