Bank of Hays: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.00 percentage points lower than in Q1 2026, at 57.44%. 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. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bank of Hays sits 23.51 points lower, at 57.44% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $194.2M |
| Net loans and leases | $191.9M |
| Loans held for sale | $141K |
| Loans to total assets | 51.20% |
| Loan-to-deposit ratio | 57.44% |
| Net loans to equity capital | 5.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.99% |
| Multifamily (5+ residential) | 6.73% |
| Commercial and industrial | 11.83% |
| Consumer | 3.02% |
| Credit cards | 0.00% |
| Farm | 14.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 95.03% |
| Construction concentration (Tier 1 capital + allowance) | 8.23% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.70% |
| Interest income on loans | $3.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $190.1M | $302.1M | 24.42% | 19.61% | 2.95% |
| Q4 2023 | $196.9M | $301.8M | 23.57% | 19.30% | 2.72% |
| Q1 2024 | $196.0M | $302.8M | 24.23% | 18.58% | 2.76% |
| Q2 2024 | $202.0M | $305.2M | 25.72% | 17.78% | 2.60% |
| Q3 2024 | $200.9M | $294.5M | 25.53% | 17.91% | 2.58% |
| Q4 2024 | $210.5M | $306.5M | 24.74% | 19.42% | 2.59% |
| Q1 2025 | $204.2M | $324.8M | 25.93% | 18.01% | 2.84% |
| Q2 2025 | $208.6M | $319.3M | 25.43% | 16.19% | 3.12% |
| Q3 2025 | $188.7M | $319.9M | 25.53% | 13.53% | 3.48% |
| Q4 2025 | $204.1M | $318.2M | 25.75% | 13.10% | 3.30% |
| Q1 2026 | $199.0M | $329.3M | 26.06% | 12.23% | 2.93% |
| Q2 2026 | $194.2M | $338.0M | 25.99% | 11.83% | 3.02% |
Bank of Hays loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hays, freeSource: Call Report Schedule RC-C, 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)