The 20% EPS growth and NIM expansion are clear positives, but the sequential loan and deposit shrinkage and rising NPAs warrant monitoring for credit quality trends. The increased buyback authorization and dividend signal management confidence; watch the Q3 2026 10-Q for loan growth trajectory and NIM sustainability.
Price Chart
Executive Summary
Hawthorn Bancshares reported Q2 2026 net income of $7.3M ($1.06 EPS), up 20% YoY from $6.1M ($0.88 EPS), driven by net interest margin expansion to 4.16% and a $2.2M gain on sale of a bank administrative office. The board increased the share repurchase authorization to $10M and declared a $0.21 quarterly dividend. Loan balances declined 2.6% sequentially and non-performing assets ticked up to 0.53% of loans, but credit quality remains stable with strong capital ratios.
Key Financial Metrics
Key Facts
- Q2 2026 EPS of $1.06, up 20% from $0.88 in Q2 2025
- Net interest margin (FTE) expanded to 4.16% from 3.89% a year ago
- Non-interest income surged 50.6% YoY to $5.3M, boosted by a gain on sale of a bank administrative office
- Loans held for investment declined 2.6% sequentially to $1.42B; deposits fell 2.0% to $1.49B
- Non-performing assets to total loans rose to 0.53% from 0.35% a year ago
- Board increased share repurchase authorization to $10M and declared $0.21 quarterly dividend
- Total risk-based capital ratio of 16.40%; well-capitalized status maintained
Financial Impact
EPS of $1.06 vs $0.88 YoY; net income +$1.2M YoY; NIM +27bp YoY to 4.16%
Risk Factors
- Sequential loan and deposit declines suggest muted organic growth
- Non-performing assets increased to 0.53% of loans from 0.35% a year ago
- Provision for credit losses rose to $0.2M from a release of $0.1M in the prior year quarter
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3335662 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Sep 10, 2026 6w ago | 8-K | $39.86 | awaiting T+60 | — | $39.27 (−1.48%) |
Sep 4, 2026 7w ago | Press Release | $40.09 | awaiting T+60 | — | $39.27 (−2.05%) |
Sep 4, 2026 7w ago | 8-K | $40.09 | awaiting T+60 | — | $39.27 (−2.05%) |
Jul 29, 2026 12w ago | Press Release | $38.65 $39.29 | ▲ +1.66% | ▼ −0.81% | $39.27 (+1.60%) |
Jul 22, 2026 13w ago | EFFECT | $36.87 $38.12 | ▲ +3.39% | ▲ +0.13% | $39.27 (+6.51%) |
Jul 17, 2026 14w ago | S-4/A | $38.40 $37.96 | ▼ −1.15% | ▼ −5.99% | $39.27 (+2.27%) |
Jun 26, 2026 17w ago | S-4 | $38.67 $38.87 | ▲ +0.52% | ▼ −3.87% | $39.27 (+1.55%) |
Apr 29, 2026 25w ago | Press Release | $33.62 $38.39 | ▲ +14.19% | ▲ +11.08% | $39.27 (+16.81%) |
Apr 29, 2026 25w ago | Press Release | $33.62 $38.39 | ▲ +14.19% | ▲ +11.08% | $39.27 (+16.81%) |
Apr 17, 2026 27w ago | DEFA14A | $35.26 $38.50 | ▲ +9.19% | ▲ +3.05% | $39.27 (+11.37%) |
US Market Status
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