Bank of Hays: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Hays of Hays, KS against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.55% | 1.34% | +0.21% | 66th above |
| ROAE | 17.04% | 13.32% | +3.72% | 76th top |
| Net Interest Margin | 3.51% | 3.93% | -0.42% | 28th below |
| Efficiency Ratio | 47.64% | 61.14% | -13.50% | 85th top |
| PPNR / Avg Assets | 1.90% | 1.68% | +0.22% | 68th above |
| Yield on Earning Assets | 5.14% | 5.67% | -0.53% | 28th below |
| Cost of Funds | 1.75% | 1.88% | -0.13% | 54th above |
| Net Interest Spread | 2.87% | 3.32% | -0.45% | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.47% | 0.94% | -0.47% | 46th below |
| NPA / Total Assets | 0.24% | 0.70% | -0.46% | 56th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.17% | 1.28% | -0.11% | 48th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 248.80% | 1546.64% | -1297.84% | 54th above |
| Texas Ratio | 2.44% | 7.34% | -4.90% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.97% | 12.14% | -2.17% | 31st below |
| Equity / Assets | 9.29% | 11.37% | -2.08% | 32nd below |
| TCE / Tangible Assets | 9.29% | 11.08% | -1.79% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 57.44% | 80.67% | -23.23% | 86th top |
| Core Deposit Ratio | 81.81% | 86.85% | -5.04% | 20th bottom |
| Wholesale Funding Ratio | 1.05% | 5.04% | -3.99% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.79% | 6.84% | -1.05% | 61st above |
| Loan Growth (Y/Y) | -6.92% | 7.92% | -14.84% | 5th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.88% | 6.29% | -0.41% | 63rd above |
See Bank of Hays's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Hays, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Hays profile, how to read a UBPR, or how this data updates.