| Metric | Value ($ M) | Q2 FY25 | Q3 FY24 |
|---|---|---|---|
| Revenue | 20.58 | 4.5% | 13.6% |
| Total Income | 20.58 | 4.5% | 13.6% |
| Expenditure | 12.82 | 4.5% | 2.6% |
| PBT | 7.49 | 0.3% | 33.3% |
| Net Profit | 6.13 | 0.5% | 34.1% |
| OPM | — | ||
| NPM | 29.79% | 1.20pp | 4.54pp |
| EPS | 0.89 | 1.1% | 34.9% |
Hawthorn Bancshares Reports Q3 2025 Net Income of $6.1 Million
04 May 2026 · 4 May, 8:39 am
Summary
Hawthorn Bancshares reported third quarter 2025 net income of $6.1 million, or $0.88 earnings per diluted share. Net income improved $1.6 million, or 34.1%, from the third quarter 2024. The net interest margin improved to 3.97% compared to 3.36% for the prior year quarter. Loans increased $51.1 million, or 3.5%, and deposits increased $7.9 million, or 0.5%, compared to the prior quarter. The Board of Directors approved a quarterly cash dividend of $0.20 per common share.
Key Highlights
- 1
Hawthorn Bancshares reported a net income of $6.1 million for the third quarter of 2025, representing an increase of $1.6 million, or 34.1%, compared to the third quarter of 2024.
- 2
Earnings per diluted share improved by $0.22 per share, or 33%, to $0.88 in the third quarter of 2025 compared to the prior year quarter.
- 3
The net interest margin, fully taxable equivalent, improved to 3.97% in the third quarter of 2025, compared to 3.36% for the prior year quarter.
- 4
Loans increased by $51.1 million, or 3.5%, and deposits increased by $7.9 million, or 0.5%, compared to the prior quarter.
- 5
The company's book value per share was $23.76, an increase of $1.23, or 5.5%, compared to the prior quarter and $2.85, or 13.6%, compared to the prior year quarter.
- 6
Non-performing assets to total loans improved to 0.48% from 0.58% in the prior year quarter, indicating strong credit quality.
Management Comments
Brent Giles
I am pleased with our third quarter results as they reflect continued core growth. Our margin continued to expand, and we experienced growth in our wealth management group. Additionally, we were able to grow our loan portfolio by expanding our customer relationships and attracting new customers. The third quarter results reflect our focus on our strategic objectives which continues to create shareholder value.
Informational and educational content only. Not investment advice.