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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 $5.8MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $262.5M22%Noninterest $75.6MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.28%1.15%1.51%1.53%+31 bps
Return on Equity14.30%14.52%12.80%16.07%16.39%+209 bps
Net Interest Margin3.07%3.18%3.14%3.35%3.31%+24 bps
Efficiency Ratio49.83%49.85%51.06%49.43%48.71%-112 bps
Non-Interest Burden1.27%1.37%1.40%1.51%1.47%+19 bps
Growth
Asset Growth (YoY)1.38%4.14%4.00%1.19%5.76%+437 bps
Loan Growth (YoY)3.29%-6.04%-3.07%-2.53%-6.92%-1,021 bps
Deposit Growth (YoY)4.61%8.65%3.81%1.39%5.88%+127 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.16%0.21%1.33%0.47%+33 bps
Net Charge-Offs / Loans0.75%0.56%0.38%0.00%0.00%-75 bps
Allowance / Loans0.99%1.09%1.09%1.13%1.17%+19 bps
Allowance Coverage of NPLs6.8x7.0x5.2x0.9x2.5x-4.4x
Capital
Tier 1 Leverage Ratio9.77%10.20%10.36%9.86%9.97%+19 bps
Total Risk-Based Capital9.77%10.20%10.36%9.86%9.97%+19 bps
Equity / Assets8.93%9.46%9.67%9.10%9.29%+36 bps
Liquidity & Funding
Loans / Deposits65.34%58.99%64.14%60.43%57.44%-790 bps
Liquid Assets / Assets0.70%0.70%0.74%1.99%6.54%+584 bps
CRE / Total Capitaln/a166.21%173.39%179.10%n/an/a