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Bank of Hays

Hays, KS · Cert 17769 · Hanston Insurance Agency Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

16

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

86

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Hays

Hays, KS · Cert 17769 · Hanston Insurance Agency Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$379.2MAssets
$194.2MLoans
$338.0MDeposits
$35.2MEquity
Loan mix
81%RE $129.6M15%C&I $24.3M4%Consumer $5.8MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $262.5M22%Noninterest $75.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.53%, up 31 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.47% of loans (+33 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.97%, up 19 bps from a year ago.
  • Funding: loans stand at 57.44% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.53%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+24 bps YoY

Efficiency Ratio (YTD, annualized)

48.71%-112 bps YoY

Tier 1 Leverage Ratio

9.97%+19 bps YoY

NIM

4.38%Q2 ’244.80%Q2 ’254.86%Q2 ’26+18%+8%

Non-interest income vs. expense

1.65%Q2 ’241.79%Q2 ’251.75%Q2 ’26-10%+15%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.02%1.21%1.22%1.28%1.15%1.51%1.53%+31 bps
Return on Equity12.48%12.65%14.41%14.30%14.52%12.80%16.07%16.39%+209 bps
Net Interest Margin2.63%2.70%3.04%3.07%3.18%3.14%3.35%3.31%+24 bps
Efficiency Ratio57.62%57.24%54.23%49.83%49.85%51.06%49.43%48.71%-112 bps
Non-Interest Burden1.40%1.43%1.53%1.27%1.37%1.40%1.51%1.47%+19 bps
Growth
Asset Growth (YoY)0.30%1.29%6.23%1.38%4.14%4.00%1.19%5.76%+437 bps
Loan Growth (YoY)5.64%6.94%4.18%3.29%-6.04%-3.07%-2.53%-6.92%-1,021 bps
Deposit Growth (YoY)-2.51%1.54%7.28%4.61%8.65%3.81%1.39%5.88%+127 bps
Asset Quality
Nonperforming Loans / Loans0.54%0.64%0.53%0.14%0.16%0.21%1.33%0.47%+33 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.75%0.56%0.38%0.00%0.00%-75 bps
Allowance / Loans1.42%1.35%1.39%0.99%1.09%1.09%1.13%1.17%+19 bps
Allowance Coverage of NPLs2.6x2.1x2.6x6.8x7.0x5.2x0.9x2.5x-4.4x
Capital
Tier 1 Leverage Ratio9.76%10.05%9.52%9.77%10.20%10.36%9.86%9.97%+19 bps
Total Risk-Based Capital9.76%10.05%9.52%9.77%10.20%10.36%9.86%9.97%+19 bps
Equity / Assets8.85%8.51%8.25%8.93%9.46%9.67%9.10%9.29%+36 bps
Liquidity & Funding
Loans / Deposits68.21%68.69%62.87%65.34%58.99%64.14%60.43%57.44%-790 bps
Liquid Assets / Assets1.23%1.14%0.96%0.70%0.70%0.74%1.99%6.54%+584 bps
CRE / Total Capitaln/an/an/an/a166.21%173.39%179.10%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Hays

Hays, KS · Cert 17769 · Peer group: banks under $1B in assets in KS (n=98) · Hanston Insurance Agency Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$379.2MAssets
$194.2MLoans
$338.0MDeposits
$35.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
  • Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets in KS (rank 91 of 98).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.51%

Rank 29 of 98

Net Interest Margin

3.31%

Rank 69 of 98

Efficiency Ratio

48.71%

Rank 15 of 98

Equity / Assets

9.29%

Rank 66 of 98

Non-interest income vs. expense

$1.1M$6.6MINCOMEEXPENSE
Unfavorable gap of $5.6M · efficiency ratio beats 86% of banks under $1B in assets in KS
Bank 48.71%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.51%1.03%1.24%1.54%Beats 70%29 / 98
Return on Equity16.22%8.85%11.58%14.73%Beats 84%16 / 98
Net Interest Margin3.31%3.24%3.62%3.91%Beats 30%69 / 98
Efficiency Ratio48.71%51.87%58.88%64.74%Beats 86%15 / 98
Asset Quality
Nonperforming Loans / Loans0.47%0.01%0.33%1.05%Beats 42%58 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio9.97%11.81%13.71%17.33%Beats 8%90 / 98
Total Risk-Based Capital Ratio9.97%11.81%14.13%17.45%Beats 7%91 / 98
Equity / Assets9.29%8.60%11.34%13.10%Beats 33%66 / 98
Liquidity & Funding
Loans / Deposits57.44%57.09%69.84%82.47%26th pctl73 / 98
Loans / Assets51.20%49.34%58.31%68.94%31st pctl68 / 98
Brokered Deposits / Depositsn/aNot reported for this institution