Performance Ratios (%) HWBK Peer Median Peer Average
ROAA 1.09 0.96 0.87
ROAE 14.81 8.05 7.57
Net Interest Margin 3.51 3.43 3.47
Efficiency Ratio 67.15 72.22 69.57
Loans / Deposits NA 91.11 87.77
Asset Quality Ratios (%)
NPAs / Assets NA 1.48 2.06
NCOs / Avg Loans 0.03 0.15 0.12
Reserves / Loans 1.07 0.89 1.08
Reserves / NPAs NA 70.35 60.38
Capital Ratios (%)
Tier 1 Capital NA 12.48 12.57
Tangible Equity / Tangible Assets 7.71 9.44 9.42
Total Equity / Total Assets 7.71 12.51 10.58
Market Ratios
Price / Earnings (x) 8.96 13.95 13.71
Price / Book (%) 125.70 123.33 132.96
Dividend Yield (%) 2.08 2.38 1.89
Data for trailing four quarters

Hawthorn Bancshares, Inc.'s peer group consists of the following: Centrue Financial Corporation (CFCB), First Financial Service Corporation (FFKY), German American Bancorp, Inc. (GABC), Horizon Bancorp, Inc. (HBNC), LNB Bancorp, Inc. (LNBB), Ohio Valley Banc Corp. (OVBC), West Bancorporation, Inc. (WTBA)

Hawthorn Bancshares, Inc.'s financial data is as of 12/31/2019.

Peer financial data is as of 12/31/2019 except for these companies:

LNB Bancorp, Inc.'s financial data is as of 6/30/2015.
First Financial Service Corporation's financial data is as of 9/30/2014.
Centrue Financial Corporation's financial data is as of 3/31/2017.