Bank of Hays

Headquarters

1000 W 27th St
Hays, KS 67601
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Notable Rates APY Vs.Others
Savings N.A. 5.50% →
1-Year CD N.A. 4.65% →
2-Year CD N.A. 4.25% →
5-Year CD N.A. 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

Bank of Hays is an FDIC insured institution located in Hays, KS. It was founded in 1907 and has approximately $0.35 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 17769
Date Established 1907
Assets $ 353.67 million
Loans $ 199.12 million
Deposits $ 305.20 million
Capital $ 27.28 million
 

For a more detailed analysis of Bank of Hays's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 24, 2024

Your Current Location: Ohio, OH 43085


Loan Rates - December 24, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Bank of Hays

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Monthly
Payment
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Pure Rate Mortgage
NMLS ID: 2578474
6.734% 6.625%
0.75 points
$3,610 fees
$2,049 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.977% 6.875%
0.88 points
$3,334 fees
$2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.463% 7.375%
0.88 points
$2,800 fees
$2,211 Learn More
Neighbors Bank
NMLS ID: 491986

points
fees
Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR 6.990 %
After Intro: 6.990 %
$0 Learn More
More Info
Rate
Rate
See Table
Intro APR 7.900 %
After Intro: 7.900 %
$25,000 Learn More
More Info

Note to Bank of Hays
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Branches

Bank of Hays branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio


Bank of Hays Locations around zip code 43085




Climate Policy and Initiatives

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Financial Details

Bank of Hays Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Hays. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Hays U.S. Bank Average
3.64% 4.48%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2024, Bank of Hays had $1,096,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $27,281,000 in equity and $2,841,000 in loans loss reserves. That gives it a Texas Ratio of 3.64%.

Return on Equity
Bank of Hays U.S. Bank Average
12.77% 10.46%

Bank of Hays has a Return on Equity of 12.77% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank of Hays U.S. Bank Average
7.71% 10.84%

Bank of Hays has a Capitalization of 7.71% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Hays Balance Sheet Analysis

As of June 30, 2024, Bank of Hays had assets of $353,674,000, loans of $199,115,000, and deposits of $305,204,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2024
ASSETS
Cash & Balances due from depository institutions $ 10.35 million
Interest-bearing balances $ 4.73 million
Total securities $ 126.51 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 199.12 million
Loan loss allowance $ 2.84 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 14.08 million
     Total Assets $ 326.39 million
LIABILITIES
Total deposits $ 305.20 million
      Interest-bearing deposits $ 221.33 million
      Deposits held in domestic offices $ 305.20 million
      % insured (estimated) 70.92%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 8.18 million
Subordinated debt N.A.
All other liabilities $ 1.95 million
      Total Liabilities $ 326.39 million
      Shareholders’ Equity $ 27.28 million

Summary Income Statement

June 30, 2024
INCOME AND EXPENSES
Total Interest Income $ 7.77 million
Total Interest Expense $ 3.15 million
Net interest income $ 4.62 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.41 million
Total non interest expense $ 2.93 million
Pre-tax Net Operating Income $ 2.01 million

Bank Loan Profile?

The top three loan types in Bank of Hays’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks, Bank of Hays’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 14.74
Multifamily
Mortgages
3.50
Credit Card Loans 0.00
Consumer Auto Loans 1.80
Small Business Loans 11.05
Construction and Development Loans 4.49
Commercial Real Estate 20.12
Commercial and Industrial Loans 16.47
Farm Loans 12.34

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