Bank of Hays: how it compares with its peers
Against 72 KS banks with half to twice its assets, Bank of Hays's strongest measure in Q2 2026 is assets per employee ($12.6M vs. a $6.6M peer median). Its weakest relative measure is net interest margin (3.55% vs. 4.03%).
| Measure | Bank of Hays | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.53% | 1.51% | Middle third Ahead of 51% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.55% | 4.03% | Bottom third Ahead of 21% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.71% | 59.14% | Top third Ahead of 85% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.6M | $6.6M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 56.76% | 78.96% | Context |
What it means for lending operations
Its efficiency ratio of 48.71% is better than the 59.14% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- ESB Financial Emporia, KS · $381M
- Guaranty State Bank and Trust Company Beloit, KS · $381M
- Commercial Bank Parsons, KS · $382M
- Community First National Bank Manhattan, KS · $375M
- Golden Belt Bank, FSA Hays, KS · $374M
- The Farmers State Bank of Oakley, Kansas Oakley, KS · $396M
Questions about Bank of Hays
How big is Bank of Hays?
Bank of Hays, established in 1907, is headquartered in Hays, KS. It reported $379M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Bank of Hays's return on assets?
1.53% annualized in Q2 2026, against a 1.51% median for 72 KS banks with half to twice its assets, ahead of 51% of them.
What is Bank of Hays's efficiency ratio?
48.71% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 59.14%, and lower is better.
Is Bank of Hays growing its loans?
Net loans shrank 7.1% over the year to Q2 2026, while deposits grew 5.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.