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
Unfavorable gap of $5.6M · efficiency ratio beats 86% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.51% | 1.03% | 1.24% | 1.54% | Beats 70% | 29 / 98 | |
| Return on Equity | 16.22% | 8.85% | 11.58% | 14.73% | Beats 84% | 16 / 98 | |
| Net Interest Margin | 3.31% | 3.24% | 3.62% | 3.91% | Beats 30% | 69 / 98 | |
| Efficiency Ratio | 48.71% | 51.87% | 58.88% | 64.74% | Beats 86% | 15 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.01% | 0.33% | 1.05% | Beats 42% | 58 / 98 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 9.97% | 11.81% | 13.71% | 17.33% | Beats 8% | 90 / 98 | |
| Total Risk-Based Capital Ratio | 9.97% | 11.81% | 14.13% | 17.45% | Beats 7% | 91 / 98 | |
| Equity / Assets | 9.29% | 8.60% | 11.34% | 13.10% | Beats 33% | 66 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 57.44% | 57.09% | 69.84% | 82.47% | 26th pctl | 73 / 98 | |
| Loans / Assets | 51.20% | 49.34% | 58.31% | 68.94% | 31st pctl | 68 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |