Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Hays, KS · FDIC certificate #17769
BANK OF HAYS is an FDIC-insured institution based in Hays, KS (FDIC certificate #17769). In its Q3 2026 Call Report it reported total assets of $384M, total deposits of $343M and net loans of $194M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF HAYS has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $384M in Q3 2026 and were lowest at $369M in Q1 2026.
Total deposits were highest at $343M in Q3 2026 and lowest at $329M in Q1 2026.
Over the whole period total assets rose 4.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $384M | $343M | $194M | 1.51% | 16.29% | 3.57% |
| Q2 2026 | $379M | $338M | $192M | 1.53% | 16.39% | 3.55% |
| Q1 2026 | $369M | $329M | $197M | 1.51% | 16.07% | 3.52% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $29.9M | $11.1M | +$18.7M | +168.0% |
| Federal funds sold | $4.0M | $4.0M | $0K | 0.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $138.7M | $142.0M | -$3.2M | -2.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $141K | $316K | -$175K | -55.4% |
| Net loans and leases (after allowance) | $191.7M | $196.5M | -$4.7M | -2.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.5M | $2.5M | +$6K | +0.2% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $834K | $962K | -$128K | -13.3% |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $11.4M | $11.6M | -$175K | -1.5% |
| Total assets | $379.2M | $368.9M | +$10.3M | +2.8% |
| Liabilities | ||||
| Total deposits | $338.0M | $329.3M | +$8.7M | +2.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $4.0M | $4.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.9M | $2.0M | -$98K | -4.8% |
| Total liabilities | $344.0M | $335.4M | +$8.6M | +2.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $390K | $390K | $0K | 0.0% |
| Surplus | $9.3M | $9.3M | $0K | 0.0% |
| Retained earnings | $28.1M | $26.6M | +$1.5M | +5.5% |
| Accumulated other comprehensive income | -$2.5M | -$2.7M | +$207K | +7.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $35.2M | $33.6M | +$1.7M | +5.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $916K | $2.6M | -$1.7M | -65.3% |
| Adjusted nonperforming assets | $916K | $2.6M | -$1.7M | -65.3% |
| Tangible equity plus allowance | $37.5M | $35.8M | +$1.7M | +4.8% |
| Texas ratio (gross) | 2.44% | 7.37% | -4.93 pts | See points |
| Texas ratio (adjusted) | 2.44% | 7.37% | -4.93 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.44% | 7.37% | -4.93 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.97% | 9.86% | +0.11 pts | See points |
| Construction and land loans to total capital | 8.23% | 9.93% | -1.70 pts | See points |
| Commercial real estate to total capital | 93.93% | 92.39% | +1.54 pts | See points |
| Dividend payout, year to date | 105.07% | 215.58% | -110.50 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -8.95% | -10.07% | +1.12 pts | See points |
| Liquidity | ||||
| Core deposits | $276.5M | $273.1M | +$3.5M | +1.3% |
| Non-core funding | $65.5M | $60.3M | +$5.2M | +8.7% |
| Loans to core deposits | 70.16% | 72.77% | -2.61 pts | See points |
| Loans to deposits | 57.40% | 60.34% | -2.94 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 44.09% | 46.70% | -2.61 pts | See points |
| Loans pledged, share of loans | 48.12% | 45.70% | +2.42 pts | See points |
| Volatile liabilities | $65.5M | $60.3M | +$5.2M | +8.7% |
| Earnings | ||||
| Earnings before provision, year to date | $3.5M | $1.7M | +$1.8M | +106.8% |
| Earnings before provision, single quarter | $1.8M | $1.7M | +$114K | +6.8% |
| Provision for credit losses, year to date | $60K | $30K | +$30K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.71% | 6.68% | +0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 2.79% | 2.91% | -0.11 pts | See points |
| Total interest income to average assets | 4.94% | 4.93% | +0.01 pts | See points |
| Cost of interest-bearing transaction accounts | 0.30% | 0.29% | +0.01 pts | See points |
| Cost of savings and money market deposits | 1.38% | 1.34% | +0.03 pts | See points |
| Cost of time deposits | 3.64% | 3.69% | -0.06 pts | See points |
| Total interest expense to average assets | 1.57% | 1.58% | -0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $384M | $343M | $194M | 1.51% | 16.29% | 3.57% |
| 2026-06-30 | $379M | $338M | $192M | 1.53% | 16.39% | 3.55% |
| 2026-03-31 | $369M | $329M | $197M | 1.51% | 16.07% | 3.52% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KS | $319.3M | 0.31% | 72 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.