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Bank of Hays

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

Hays, KS

4 branches across KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
  • Deposits +5.9% year over year ($338.0M on the books).
  • Delinquency rate 0.48%.
  • Return on assets 1.53%.
  • Efficiency ratio 48.71% vs a 64.48% peer average.
  • Loan-to-deposit ratio 56.76% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS
View $100M-$1B leaderboard (KS) →

Bank of Hays has 3 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 0.21% above tier average
  • + Efficiency Ratio 15.77% below tier average
  • + Delinquency Rate 0.44% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 44.0% in tier
  • - Credit Quality Pressure: Bottom 45.9% in tier
  • - Net Interest Margin 0.44% below tier average
Get updates when Bank of Hays releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $379.2M
+5.8% YoY +2.8% QoQ
-$7.4M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
58%
Total Loans ? $191.9M
-7.1% YoY -2.5% QoQ
-$66.5M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
46%
Total Deposits ? $338.0M
+5.9% YoY +2.6% QoQ
+$11.3M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
61%
Return on Assets ? 1.53%
+55.2% YoY +1.7% QoQ
+0.21% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
67%
Net Interest Margin ? 3.55%
+8.1% YoY +0.8% QoQ
-0.44% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
30%
Efficiency Ratio ? 48.71%
-2.2% YoY -1.5% QoQ
-15.77% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
Top 14.4% in tier
Delinquency Rate ? 0.48%
+228.5% YoY -64.4% QoQ
-0.44% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
47%
Loan-to-Deposit Ratio ? 56.76%
-12.2% YoY -5.0% QoQ
-21.19% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
Top 14.1% in tier
Non-Interest-Bearing Deposit Share ? 22.35%
-3.8% YoY -1.5% QoQ
+0.32% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
56%
Nonperforming Asset Ratio ? 0.24%
+188.6% YoY -66.2% QoQ
-0.43% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
57%
Tier 1 Capital Ratio ? 9.97%
+2.0% YoY +1.1% QoQ
-5.94% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
Bottom 10.1% in tier
Non-Interest Income / Assets ? 0.14%
-46.3% YoY +103.4% QoQ
-0.43% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
31%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Noninterest-Bearing 22.4%
-0.9pp YoY
-0.3pp QoQ
 +0.2pp 22.1% 22.3% 22.2% 56%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 12.0%
-4.4pp YoY
-0.4pp QoQ
 +0.4pp 11.6% 12.6% 12.5% 63%
CRE 34.8%
+2.7pp YoY
+1.8pp QoQ
 -4.7pp 39.5% 28.8% 41.4% 43%
1-4 Family 18.3%
+0.9pp YoY
+0.7pp QoQ
 -14.4pp 32.6% 26.7% 31.3% 26%
Consumer 3.1%
-0.1pp YoY
+0.1pp QoQ
 -1.1pp 4.1% 4.6% 5.0% 60%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.3% 19.7% n/a
Leverage Ratio 10.0%
+0.2pp YoY
+0.1pp QoQ
 -2.2pp 12.2% 12.6% 12.6% 30%
Total Capital Ratio n/a n/a 19.9% 24.4% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 30
-2 (-6.2%) YoY
-1 (-3.2%) QoQ
 -29 58 70 482 26%
Assets per Employee ($) $12.6M
+12.8% YoY
+6.2% QoQ
 +$5.1M $7.5M $7.1M $8.8M 94%
Branch Count 4
0 YoY
0 QoQ
 -1 4 6 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.5%
+0.3pp YoY
+0.3pp QoQ
 -0.5pp 0.9% 0.8% 1.0% 51%
Allowance Coverage 2.49x
-65.3% YoY
+192.1% QoQ
 -21.67x 24.15x 22.44x 20.23x 54%
Net Charge-off Rate (YTD) -0.0%
-0.8pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 26%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 16.4%
+4.9pp YoY
+0.3pp QoQ
 +4.2pp 12.2% 14.3% 11.6% 74%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.6% 1.7% 48%
Net Income ($, YTD) $2.9M
+60.8% YoY
— QoQ
 +$303K $2.6M $3.7M $40.4M 68%

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 (2)

Capital Thin

risk
#292 of 661 • Bottom 44.0% 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: 9.97%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Credit Quality Pressure

risk
#577 of 1256 • Bottom 45.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.48%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

373
Loan-to-Deposit Ratio
liquidity
Value: 56.76%
Peer Median: 77.95%
#373 of 2643 Top 14.1% in $100M-$1B
381
Efficiency Ratio
profitability
Value: 48.71%
Peer Median: 64.48%
#381 of 2643 Top 14.4% in $100M-$1B

Top Weaknesses (1 metrics)

2376
Tier 1 Capital Ratio
capital
Value: 9.97%
Peer Median: 15.91%
#2376 of 2643 Bottom 10.1% in $100M-$1B
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