Bank of Hays: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 280.14 percentage points in Q2 2026, from 528.94% to 248.80%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Bank of Hays is 78th of 182 on return on assets, 1.55% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of Hays sits 0.29 points higher, at 1.55% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.97% |
| Equity capital to assets | 9.29% |
| Tangible equity to tangible assets | 9.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.47% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.44% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 248.80% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.55% |
| Return on equity | 17.04% |
| Net interest margin | 3.51% |
| Efficiency ratio | 47.64% |
| Yield on earning assets | 5.14% |
| Cost of funds | 1.75% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.44% |
| Core deposits to total deposits | 81.81% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.15% |
| Securities to assets | 36.59% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.69% | 0.78% | 2.46% | 0.57% | -0.00% |
| Q4 2023 | 9.97% | 0.88% | 2.63% | 0.56% | 0.01% |
| Q1 2024 | 9.37% | 0.96% | 2.72% | 0.56% | -0.02% |
| Q2 2024 | 9.54% | 0.98% | 2.75% | 0.54% | 0.01% |
| Q3 2024 | 9.76% | 1.00% | 2.86% | 0.54% | -0.01% |
| Q4 2024 | 10.05% | 1.10% | 3.02% | 0.52% | -0.00% |
| Q1 2025 | 9.52% | 1.20% | 3.19% | 0.53% | 0.00% |
| Q2 2025 | 9.77% | 0.76% | 3.26% | 0.14% | 1.53% |
| Q3 2025 | 10.20% | 1.38% | 3.58% | 0.16% | 0.00% |
| Q4 2025 | 10.36% | 1.24% | 3.25% | 0.21% | -0.01% |
| Q1 2026 | 9.86% | 1.51% | 3.49% | 0.21% | -0.00% |
| Q2 2026 | 9.97% | 1.55% | 3.51% | 0.47% | 0.00% |
Bank of Hays vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hays, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)