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Hawthorn Bancshares HWBK Provision (release of) for credit losses on loans and unfunded commitments

Provision (release of) for credit losses on loans and unfunded commitments at other companies

F.N.B. Corporation logo
F.N.B. CorporationFNB
$18.5M+5.7%
SBC
Seacoast Banking Corporation of FloridaSBCF
$761K-91.8%
FVCBankcorp, Inc. logo
FVCBankcorp, Inc.FVCB
$168K-16.0%
German American Bancorp logo
German American BancorpGABC
$2M-86.9%
Trico Bancshares logo
Trico BancsharesTCBK
$3.33M-10.8%
Prosperity Bancshares logo
Prosperity BancsharesPB
$0

Other financials

Income statement

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Revenue$20.2M+7.7%
Net income$5.7M+6.7%
EPS (diluted)$0.83+7.8%

Balance sheet

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Cash & equivalents$101.9M-0.3%
Total debt$4.9M+60.5%
Total equity$175.4M+14.3%
Total assets$1.9B-1.5%

Cash flow

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Operating cash flow$8.0M+39.0%
CapEx$1.9M+588%
Free cash flow$6.1M+11.7%

Valuation

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Market cap$271.04M+39.8%
Enterprise value$173.98M+81.8%
P/E11.2×+1.8×
P/S3.3×+0.7×

Profitability

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Net margin29.6%+3.6pp
FCF margin29.7%-1.5pp

Returns & leverage

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Return on equity14.7%+1.5pp
Debt / equity0.0×

Where this comes from

Reported directly by Hawthorn Bancshares in its filing.

Tagged under the XBRL concept hwbk:FinancingReceivableUnfundedCommitmentsAndDebtSecuritiesExcludingAccruedInterestCreditLossExpenseReversal.

The official record: Hawthorn Bancshares’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Hawthorn Bancshares's provision (release of) for credit losses on loans and unfunded commitments?
Hawthorn Bancshares (HWBK) reported provision (release of) for credit losses on loans and unfunded commitments of $73K in Q1 2026.
How has Hawthorn Bancshares's provision (release of) for credit losses on loans and unfunded commitments changed year-over-year?
Hawthorn Bancshares's provision (release of) for credit losses on loans and unfunded commitments increased by 121.5% year-over-year, from -$340K to $73K.
What is the long-term trend for Hawthorn Bancshares's provision (release of) for credit losses on loans and unfunded commitments?
Over 3 years (2021 to 2025), Hawthorn Bancshares's provision (release of) for credit losses on loans and unfunded commitments has grown at a -40.4% compound annual growth rate (CAGR), from -$1.7M to $360K.
What does provision (release of) for credit losses on loans and unfunded commitments mean?
This represents the non-cash charge or credit to earnings intended to maintain the allowance for credit losses at a level sufficient to cover estimated losses in the loan portfolio and unfunded lending commitments. It reflects management's assessment of credit risk and economic conditions affecting the bank's lending activities. A lower provision generally suggests stable or improving credit quality within the loan book.