BANK OF HAYS

HAYS, KS | Small | Est. Aug. 21, 1907, midnight | FDIC #17769 | RSSD #746755 | FDIC
Latest Report: 2025-12-31

BANK OF HAYS is asn small FDIC-insured commercial bank headquartered in HAYS, KS, established in Aug. 21, 1907, midnight. As of 2025-12-31, the bank reported total assets of $370M and total deposits of $318M. Profitability stands at 1.24% ROA and 13.01% ROE, with a net interest margin of 3.45%. The bank's CET1 capital ratio is 9.67%. Asset quality metrics show a non-performing loan ratio of 0.21% and a Texas Ratio of 1.12%. FDIC Certificate #17769.

Assets

$370M

Deposits

$318M

Loans

$204M

Equity

$36M

Profitability

Return on Assets (ROA) 1.24%
Return on Equity (ROE) 13.01%
Net Interest Margin (NIM) 3.45%
Yield on Assets 5.31%
Cost of Funds 1.91%

Asset Quality

NPL Ratio 0.21%
Net Charge-Off Ratio 0.38%
Texas Ratio 1.12%
NPA Ratio 0.11%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 9.67%
Tier 1 Capital 9.67%
Total Capital Ratio 10.16%
Leverage Ratio 10.36%
Loan-to-Deposit 64.14%

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