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Bank of Hays

$100M-$1B Specialty: Agricultural KS FDIC cert 17769

Hays, KS

4 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS
View $100M-$1B leaderboard (KS) →

Bank of Hays has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.24% above tier average
  • + Efficiency Ratio 15.86% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 12.5% in tier
  • - Net Interest Margin 0.41% below tier average
  • - Delinquency Rate 0.45% above tier average
Get updates when Bank of Hays releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $368.9M
+1.2% YoY -0.3% QoQ
-$17.2M $386.1M
+0.5% YoY
$509.2M
+7.2% YoY
$6.2B
+9.1% YoY
57%
Total Loans ? $196.8M
-2.3% YoY -2.5% QoQ
-$58.9M $255.7M
+1.1% YoY
$338.5M
+8.8% YoY
$3.2B
+10.8% YoY
48%
Total Deposits ? $329.3M
+1.4% YoY +3.5% QoQ
+$1.4M $328.0M
+0.1% YoY
$424.4M
+7.3% YoY
$4.8B
+8.2% YoY
60%
Return on Assets ? 1.51%
+24.8% YoY +31.3% QoQ
+0.24% 1.27%
+12.9% YoY
1.40%
+19.8% YoY
1.23%
+13.4% YoY
68%
Net Interest Margin ? 3.52%
+9.0% YoY +4.8% QoQ
-0.41% 3.93%
+6.0% YoY
3.92%
+4.5% YoY
3.89%
+5.7% YoY
31%
Efficiency Ratio ? 49.43%
-8.9% YoY -3.2% QoQ
-15.86% 65.29%
-4.5% YoY
62.29%
-5.0% YoY
66.95%
-4.1% YoY
Top 14.9% in tier
Delinquency Rate ? 1.34%
+149.8% YoY +536.9% QoQ
+0.45% 0.89%
+18.8% YoY
0.77%
+10.4% YoY
0.95%
+18.8% YoY
22%
Loan-to-Deposit Ratio ? 59.75%
-3.6% YoY -5.8% QoQ
-16.89% 76.64%
+0.8% YoY
71.79%
+1.2% YoY
76.70%
+0.9% YoY
82%
Non-Interest-Bearing Deposit Share ? 22.69%
-3.6% YoY +1.6% QoQ
+0.67% 22.02%
-1.0% YoY
22.83%
-2.0% YoY
22.01%
-1.2% YoY
57%
Nonperforming Asset Ratio ? 0.72%
+141.2% YoY +523.1% QoQ
+0.08% 0.64%
+19.7% YoY
0.51%
+12.5% YoY
0.67%
+19.3% YoY
29%
Tier 1 Capital Ratio ? 9.86%
+3.5% YoY -4.8% QoQ
-5.97% 15.83%
+1.5% YoY
17.98%
-0.9% YoY
17.06%
+0.8% YoY
Bottom 8.0% in tier
Non-Interest Income / Assets ? 0.07%
+10.1% YoY -83.3% QoQ
-0.21% 0.28%
+9.3% YoY
0.28%
-1.8% YoY
0.32%
+4.1% YoY
31%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#84 of 666 • Bottom 12.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.86%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

399
Efficiency Ratio
profitability
Value: 49.43%
Peer Median: 65.29%
#399 of 2664 Top 14.9% in $100M-$1B
482
Loan-to-Deposit Ratio
liquidity
Value: 59.75%
Peer Median: 76.64%
#482 of 2664 Top 18.1% in $100M-$1B

Top Weaknesses (2 metrics)

2451
Tier 1 Capital Ratio
capital
Value: 9.86%
Peer Median: 15.83%
#2451 of 2664 Bottom 8.0% in $100M-$1B
2083
Delinquency Rate
credit_quality
Value: 1.34%
Peer Median: 0.89%
#2083 of 2654 Bottom 21.6% in $100M-$1B
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