- Hawthorn Bancshares reported **net income of $6.1 million** for the third quarter of 2025, an increase of **34.1%** from the prior year quarter, with **diluted earnings per share (EPS) of $0.88**.  **[893847_9bd0f0a54cef4d80bc91fb9ad0e20a1c_0]** **[893847_9bd0f0a54cef4d80bc91fb9ad0e20a1c_1]** 
- The **net interest margin (FTE)** improved to **3.97%** in Q3 2025, compared to 3.36% in Q3 2024, and the **efficiency ratio improved to 62.30%** from 66.23% in the prior year quarter.  **[893847_9bd0f0a54cef4d80bc91fb9ad0e20a1c_0]** **[893847_9bd0f0a54cef4d80bc91fb9ad0e20a1c_1]** **[893847_9bd0f0a54cef4d80bc91fb9ad0e20a1c_2]** 
- **Loans increased $51.1 million, or 3.5%**, and **deposits increased $7.9 million, or 0.5%**, compared to the prior quarter.  **[893847_9bd0f0a54cef4d80bc91fb9ad0e20a1c_0]** **[893847_9bd0f0a54cef4d80bc91fb9ad0e20a1c_3]** 
- The company's Board of Directors approved a **quarterly cash dividend of $0.20 per common share**, payable January 1, 2026.  **[893847_9bd0f0a54cef4d80bc91fb9ad0e20a1c_3]**

Hawthorn Bancshares Reports Third Quarter 2025 Results

- Hawthorn Bancshares, Inc. reported **net income of $6.1 million** and **diluted EPS of $0.88** for the third quarter of 2025, representing a **34.1%** and **33%** improvement, respectively, from the prior year quarter.  **[893847_0000893847-25-000039_q32025earnings-ex991925.htm:0]** 
- The company's **net interest margin (FTE) improved to 3.97%** in Q3 2025, compared to 3.89% for the prior quarter and 3.36% for the prior year quarter.  **[893847_0000893847-25-000039_q32025earnings-ex991925.htm:0]** 
- **Loans held for investment increased by $51.1 million (3.5%)** to **$1.51 billion** as of September 30, 2025, compared to the prior quarter.  **[893847_0000893847-25-000039_q32025earnings-ex991925.htm:0]** **[893847_0000893847-25-000039_q32025earnings-ex991925.htm:1]** 
- The Board of Directors approved a quarterly **cash dividend of $0.20 per common share**, payable January 1, 2026, to shareholders of record on December 15, 2025.  **[893847_0000893847-25-000039_q32025div-ex992925.htm:0]** **[893847_0000893847-25-000039_q32025earnings-ex991925.htm:2]** 
- Hawthorn Bancshares maintained a **total risk-based capital ratio of 14.90%** and repurchased **90,466 common shares** totaling **$2.5 million** during the first nine months of 2025.  **[893847_0000893847-25-000039_q32025earnings-ex991925.htm:0]** **[893847_0000893847-25-000039_q32025earnings-ex991925.htm:2]**

HAWTHORN BANCSHARES (HWBK)