Bank of Hays: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 123.6% higher than in Q1 2026, at $33.9M. Within Kansas, Bank of Hays is 148th of 182 on loan-to-deposit ratio, 57.44% as of Q2 2026, below the middle of the field. Bank of Hays reported 57.44% on loan-to-deposit ratio for Q2 2026, 23.51 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $33.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $172.6M |
| Fed funds sold and reverse repos | $4.0M |
| Fed funds sold and reverse repos to assets | 1.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.44% |
| Net loans and leases to deposits | 56.76% |
| Loans and leases to core deposits | 70.21% |
| Core deposits to total deposits | 81.81% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 62.95% | 89.55% | $0 | $18.2M |
| Q4 2023 | 65.22% | 88.88% | $0 | $20.7M |
| Q1 2024 | 64.74% | 88.00% | $0 | $13.0M |
| Q2 2024 | 66.17% | 85.65% | $0 | $19.3M |
| Q3 2024 | 68.21% | 86.93% | $1.1M | $17.8M |
| Q4 2024 | 68.69% | 85.35% | $0 | $16.9M |
| Q1 2025 | 62.87% | 85.07% | $0 | $8.0M |
| Q2 2025 | 65.34% | 83.04% | $0 | $5.0M |
| Q3 2025 | 58.99% | 82.65% | $0 | $4.0M |
| Q4 2025 | 64.14% | 82.36% | $0 | $14.0M |
| Q1 2026 | 60.43% | 82.91% | $0 | $4.0M |
| Q2 2026 | 57.44% | 81.81% | $0 | $4.0M |
Bank of Hays liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hays, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Hays profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17769) · FFIEC NIC profile (RSSD 746755)