Bank Comparison
Banner Capital Bank vs Bank of Hays
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Banner Capital Bank | Bank of Hays |
|---|---|---|
| CET1 Ratio | 12.20% | — |
| Tier 1 Capital Ratio | 12.20% | — |
| Total Capital Ratio | 13.45% | — |
| Tier 1 Leverage Ratio | 10.76% | 9.86% |
| Equity / Assets | 10.84% | 9.10% |
Profitability
| Metric | Banner Capital Bank | Bank of Hays |
|---|---|---|
| Return on Assets (ROA) | 1.64% | 1.51% |
| Return on Equity (ROE) | 15.20% | 16.07% |
| Net Interest Margin (NIM) | 4.43% | 3.49% |
| Yield on Earning Assets | 6.61% | 5.13% |
| Cost of Funds | 2.36% | 1.75% |
Asset quality
| Metric | Banner Capital Bank | Bank of Hays |
|---|---|---|
| Texas Ratio | 5.87% | 7.37% |
| Non-Performing Loan Ratio | 0.60% | 0.21% |
| Non-Performing Asset Ratio | 0.66% | 0.12% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.32% | 1.13% |
Balance sheet
| Metric | Banner Capital Bank | Bank of Hays |
|---|---|---|
| Total Assets | $368,899K | $368,915K |
| Total Deposits | $327,565K | $329,332K |
| Total Loans | $297,451K | $199,030K |
| Total Equity | $39,996K | $33,560K |
| Net Income (quarter) | $1,523K | $1,393K |
Liquidity & funding
| Metric | Banner Capital Bank | Bank of Hays |
|---|---|---|
| Loan-to-Deposit Ratio | 90.81% | 60.43% |
| Core Deposit Ratio | 88.87% | 82.91% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Banner Capital Bank | Bank of Hays |
|---|---|---|
| Headquarters City | HARRISBURG | HAYS |
| Headquarters State | NE | KS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 4 |
| Employees (FTE) | 55 | 31 |
| Established | Oct. 10, 1964, midnight | Aug. 21, 1907, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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