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Hawthorn Bancshares
Hawthorn Bancshares, Inc. owns Hawthorn Bank, whose operations extend back over 150 years in Missouri. The publicly listed holding company discloses its...
Hawthorn Bancshares
Hawthorn Bancshares, Inc. owns Hawthorn Bank, whose operations extend back over 150 years in Missouri. The publicly listed holding company discloses its financial position through SEC filings that include quarterly call reports from the bank. The bank originates commercial real estate loans, commercial and industrial loans to local businesses, and residential mortgages, and it holds a securities portfolio of US government agency mortgage-backed securities. It operates full-service branches in central and western Missouri, pays regular quarterly dividends, and in February 2024 authorized a stock repurchase program. The holding company owns the bank’s real estate and leases it back while raising capital in public equity and debt markets.
General information
Firm type
Asset Manager
Location
Region
North America
Country
United States
City
Jefferson City
Sector focus
Frequently asked questions
What does Hawthorn Bancshares actually own?
Hawthorn Bancshares, Inc. is a bank holding company whose primary and most significant asset is 100% ownership of Hawthorn Bank, a Missouri state-chartered bank. The holding company also owns the real estate that the bank's branches operate from and manages the parent-level capital structure, including any outstanding trust-preferred securities or subordinated debt. The consolidated financials filed with the SEC represent the holding company and the bank combined.
How does the company generate its revenue?
Revenue is generated predominantly through net interest income — the spread between interest earned on its loan portfolio and investment securities, and the interest paid on deposits and borrowings. A smaller portion comes from non-interest income sources like deposit service charges and fees. As a traditional community lender, it does not generate revenue from venture capital, carried interest, or asset management fees.
Is Hawthorn Bancshares in the business of managing external capital?
No. Hawthorn Bancshares is not an asset manager, family office, or fund sponsor. It manages its own balance sheet, funded by retail and commercial deposits gathered through its Missouri branch network and, at the holding company level, by equity and debt issued into public markets. There is no external limited partner capital.
What investment stages or asset types does the bank focus on?
The focus is exclusively on senior debt origination, not equity investment. The bank directly originates commercial real estate loans, commercial and industrial loans to small and mid-sized businesses, and residential mortgage loans. Its investment portfolio is largely composed of US government agency mortgage-backed securities, a liquid asset class used for managing interest rate risk and on-balance-sheet liquidity.
Who runs the loan origination and credit decisions?
Day-to-day lending and credit decisions are made by the commercial and consumer banking teams at Hawthorn Bank, under policies set by the bank's board of directors and senior management. Ultimate oversight rests with the holding company's executive team and board, who are named in the company's annual proxy statement and SEC filings. The firm does not employ a CIO or investment committee structure typical of a private investment firm.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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