Hawthorn Bank vs Btc Bank
Comparing a Bank in Jefferson City, MO with a Bank in Bethany, MO using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Hawthorn Bank ↗ Bank · Jefferson City, MO · Est. 1911 | Btc Bank ↗ Bank · Bethany, MO · Est. 1919 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Jefferson City, MO | Bethany, MO |
| Total assets | $1.8B | $1.6B |
| Capital ratio | 9.9% | 10.6% |
| Return on assets | 1.4% | 1.2% |
| Deposits | $1.5B | $1.2B |
| Branches | 19 | 29 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 195 | #3 of 195 |
| Established | 1911 | 1919 |
Hawthorn Bank
- Assets: $1.8B
- Deposits: $1.5B
- Capital ratio: 9.9%
- Return on assets: 1.4%
- CFPB complaints: 0
- State rank: #4 of 195
Btc Bank
- Assets: $1.6B
- Deposits: $1.2B
- Capital ratio: 10.6%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #3 of 195
Are both institutions federally insured?
Yes. Hawthorn Bank is FDIC-insured and Btc Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Hawthorn Bank or Btc Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Hawthorn Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Hawthorn Bank safe?
Yes — Hawthorn Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Btc Bank safe?
Yes — Btc Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Hawthorn Bank vs Btc Bank?
Hawthorn Bank has a capital ratio of 9.9%, placing it in the bottom 43% of $1B–10B peers. Btc Bank's ratio is 10.6%, placing it in the top 44% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Hawthorn Bank have compared to Btc Bank?
The CFPB database shows 0 complaints against Hawthorn Bank, and 0 complaints against Btc Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Hawthorn Bank with other Banks in Missouri
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
