Hawthorn Bancshares, Inc. reported a second quarter 2025 net income of $6.1 million, with earnings per diluted share of $0.88. This marks an improvement from the prior year quarter, with a 31.8% increase in net income and a 33% improvement in EPS. The bank’s efficiency ratio also improved to 62.32%. Loans decreased by $7.4 million, while deposits decreased by $25.9 million. Non-performing assets to total loans improved to 0.35%. CEO Brent Giles expressed pride in the team’s accomplishments and financial results, highlighting a focus on managing net interest margin and controlling expenses.

Earnings for the second quarter 2025 saw a $0.7 million increase from the prior quarter and a $1.5 million increase from the prior year quarter, with EPS reaching $0.88. Net interest income also increased, with a net interest margin of 3.89%. Interest income rose due to higher rates on earning assets, while interest expense decreased. Non-interest income for the second quarter was $3.5 million, while non-interest expense was $12.3 million. The efficiency ratio for the quarter was 62.32%, showing improvements in managing expenses. Hawthorn Bancshares reported an improvement in the current quarter compared to the prior quarter, with higher net interest margin and lower non-interest expenses driving the positive results. Loans held for investment decreased by 0.5% to $1.5 billion. Investments increased by 1.2% to $229.4 million. Non-performing assets to total loans were 0.35% at June 30, 2025. The Company had net loan charge-offs of $0.05 million in the second quarter of 2025. Total deposits decreased by 1.7% to $1.5 billion. The Company remains “well capitalized” with various capital ratios. The Board approved a quarterly cash dividend of $0.20 per common share.

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