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Bank Of Hays
Hays, KS · FDIC Certificate #17769 · Chartered 08/2
Total assets
$379.20M
Total deposits
$338.05M
Total equity
$35.23M
Net loans
$191.89M
Branches (offices)
4
Net income (YTD)
$2.86M
Rank: #2,149 of 4,213 U.S. banks by assets · #58 of 183 in Kansas. Assets changed 5.8% and deposits 5.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.53% |
| Return on equity | 16.39% |
| Net interest margin (YTD) | 3.55% |
| Equity to assets | 9.29% |
| Tier 1 leverage ratio | 9.97% |
| Uninsured deposits (share of deposits) | 27.9% |
| Noncurrent loans (share of loans) | 0.47% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 56.8% |
| Real estate loans (share of loans) | 68.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $130.54M | 68.0% | |
| Commercial & industrial | $22.97M | 12.0% | |
| Consumer / individual | $5.86M | 3.1% | |
| Construction & development | $3.30M | 1.7% | |
| Agricultural | $33.99M | 17.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $355.01M | $320.06M | $1.67M | $23.92M |
| Jun 2023 | $348.11M | $293.82M | $1.46M | $24.21M |
| Jun 2024 | $353.67M | $305.20M | $1.72M | $27.28M |
| Jun 2025 | $358.46M | $319.27M | $1.78M | $32.03M |
| Jun 2026 | $379.20M | $338.05M | $2.86M | $35.23M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $338.05M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $338.05M.
Similar-sized banks
Merchants & Planters' Bank ($379.37M) · North Star Bank ($378.73M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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