Recent developments include the release of fourth quarter and full year 2025 financial results, declaration of a cash dividend, announcement of a $10 million stock repurchase program, and inclusion in the Russell 3000 and Russell 2000 indexes.

• Hawthorn Bancshares reported results for the fourth quarter and the year ended December 31, 2025, providing updated financial performance data [N1].
• The company announced a cash dividend, indicating ongoing shareholder returns [N2].
• Hawthorn Bancshares disclosed a $10 million common stock repurchase program, reflecting active capital management [N5].
• The company achieved inclusion in the Russell 3000 and Russell 2000 indexes, enhancing market visibility [N4].
• Additional reporting of fourth quarter and full year 2025 results was published by markets.businessinsider.com [N3].

The company demonstrates operational transparency through regular SEC filings and active capital management, including dividends and stock repurchases. Its diversified loan portfolio and credit risk management practices support financial stability. Inclusion in the Russell 3000 and Russell 2000 indexes may enhance market visibility and investor access. The company’s liquidity position with nearly $100 million in cash and equivalents provides a buffer for operational needs and growth opportunities.

As a regional bank, Hawthorn Bancshares faces risks related to credit quality, including potential nonperforming loans in various portfolio segments. The company’s exposure to real estate construction and commercial loans may be sensitive to economic cycles. Off-balance-sheet credit exposures, while managed, represent contingent liabilities. Market and regulatory changes could impact profitability and capital requirements. The company’s financial disclosures do not provide full detail on all balance sheet items, limiting complete visibility into certain risk factors.

Hawthorn Bancshares operates in the regional banking industry, which typically benefits from local market knowledge, customer relationships, and regulatory compliance expertise. Its diversified loan portfolio across residential and commercial real estate, construction, agriculture, and consumer segments provides some risk diversification. The company's ability to manage credit risk and maintain liquidity supports operational stability. Inclusion in major indexes may improve access to capital and investor interest, contributing to competitive positioning.

• Credit Risk: The company’s loan portfolio includes real estate construction, commercial, residential, agricultural, and consumer loans, which are subject to credit risk and potential nonperforming loans.
• Liquidity Risk: While the company maintains significant cash and equivalents, liquidity management is critical to meet operating needs and off-balance-sheet commitments.
• Market and Regulatory Risk: Changes in interest rates, economic conditions, and regulatory requirements could affect the company’s financial performance and capital adequacy.
• Operational Risk: Potential disruption from market conditions or management focus diversion could impact business operations and customer relationships.

• Hawthorn Bancshares Inc operates in the Financial Services sector as a regional bank.
• The company provides banking services including real estate mortgage loans (residential and commercial), construction loans, commercial financial and agricultural loans, and installment and consumer loans as indicated by SEC segment disclosures [S1][S2].
• The company manages credit risk with internal credit assessments and maintains allowances for credit losses on loans and off-balance-sheet commitments [S1][S2].
• As of September 30, 2025, the company reported cash and cash equivalents of $99.875 million and net income of $6.132 million for the nine months ended September 30, 2025, with basic EPS of $0.89 and diluted EPS of $0.88 [S2].
• The company maintains liquidity through cash and equivalents and manages off-balance-sheet credit exposures such as unfunded loan commitments and letters of credit [S2].
• Hawthorn Bancshares announced results for the fourth quarter and year ended December 31, 2025, indicating ongoing financial reporting and operational transparency [N1][N3].
• The company declared a cash dividend, reflecting a policy of returning capital to shareholders [N2].
• Hawthorn Bancshares announced a $10 million common stock repurchase program, indicating active capital management [N5].
• The company achieved inclusion in the Russell 3000 and Russell 2000 indexes, which may increase visibility and investor interest [N4].
• Financial figures are summarized from the latest available SEC filings and are provided for informational purposes only — not financial advice.