Risk factors

Hawthorn Bancshares (HWBK) risk factors

Item 1A of every Hawthorn Bancshares, Inc. 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    37 risks, 37 new, 5 dropped since the prior year. Hawthorn Bancshares faces heightened risks from regional economic downturns in central and west-central Missouri and the Kansas City MSA. Fluctuating interest rates threaten net interest income, loan origination, and portfolio values. Credit quality, small-business borrowing vulnerabilities, and broader financial market liquidity are key concerns.

    Filed Mar 05, 2026
  • FY2024 10-K risk factors

    34 risks. Credit losses, asset quality, liquidity, and interest-rate changes are central risks for this Missouri and eastern Kansas community bank.

    Filed Mar 17, 2025