# BANK OF HAYS
HAYS, KS · FDIC certificate 17769 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $379.2M | |
| Deposits | $338.0M | |
| Loans and leases | $194.2M | |
| Total equity | $35.2M | |
| Loans / deposits | 56.76% (p10 of band) | 82.04% |
| Liquid assets / assets | 45.52% (p89 of band) | |
| Uninsured deposits / deposits | 27.93% (p59 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.05% (p35 of band) | |
| FHLB advances / assets | 1.05% | |
| Tier 1 leverage | 9.97% (p33 of band) | 10.81% |
| Unrealized securities loss / equity | -9.59% (p45 of band) | -8.10% |
| AOCI / equity | -1.23% (p18 of band) | |
| ROA (annualized) | 1.53% (p66 of band) | 1.28% |
| Net interest margin | 3.55% (p30 of band) | 3.91% |
| Efficiency ratio | 48.71% (p15 of band) | |
| Noncurrent loans | 0.47% (p53 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 248.80% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 9.36% (p13 of band) | |
| Auto loans | $4.0M (2.06% of loans; DQ 0.50%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 30 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | capital falling, reserve under noncurrent |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | deposits shrinking |  |
| 2015-12 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 2 |  | assets shrinking |
| 2016-06 | 2 | wholesale funding >15% | uninsured deposits leaving |
| 2016-09 | 1 |  | deposits shrinking |
| 2016-12 | 0 |  | wholesale funding >15% |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2017-12 | 3 | charge-offs p90 |  |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | noncurrent p90 |
| 2018-12 | 2 | noncurrent p90 |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | charge-offs p90 | noncurrent p90 |
| 2020-03 | 1 |  | charge-offs p90 |
| 2020-06 | 1 | capital falling | reserve under noncurrent |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | deposits shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | charge-offs p90 |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | charge-offs p90 |
| 2026-03 | 1 | reserve under noncurrent |  |
| 2026-06 | 0 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-25 [Bank of Hays announces new leadership, board appointments - hayspost.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE9HSFItNEhadE5makx6MVhreWh2eG9qek15bFhjbmJ5blk1OERPZWxxcVNzbHJtSlVlNGFxR2N1cEt6MjYwUTVYWUZMYUFLNGw5bVdrY1V1WmljTXlZRnBNYmQybVIxbEJoMmVnWFQwSmI?oc=5) · hayspost.com
- 2025-11-11 [Obituary for John P. Clarke II - Hays Memorial Chapel Funeral Home](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5SVDAySFk3MHpvOTdnQ3l0d2EzTDFVYlRfRjE1MjhlN0tqdGZGWGtMck94S0ZDU1Azd1ZpemlnMldvNmlGakZMSHFLUExmQ3YxazJUWUl2NzR1bjJmaXN3dA?oc=5) · Hays Memorial Chapel Funeral Home
- 2025-03-14 [Wilbert D. Pfeifer Obituary Mar 14, 2025 - Keithley Funeral Homes](https://news.google.com/rss/articles/CBMic0FVX3lxTE14NVJ5ZVdIbUllODZqekM1Z3YyaU5ubVlFMndXT01lNmx5b25ucVRFT3duTW9qZHA2anJYbEVhTzBDVDZWWHE3SFEwNDVUdWVEbkJlLVNSQ2F2U3N3clJsTndqTGpJVF9FSldydjRhSFQwMlE?oc=5) · Keithley Funeral Homes
- 2018-10-24 [Douglas Thurman joins American State Bank & Trust - Great Bend Tribune](https://news.google.com/rss/articles/CBMikgFBVV95cUxOSmF2ZEJoYUFMdjlfZk5lRUtYOEpVakVIY3FnaXVTTENkdkdYakh6aVhrTEtYejBhM0NSdVl5VkFpUFpFZGdxYUpWb1kzQzRTNlhSbFVQZUxZbm5QelctYmtYN0JFVWhUd0hIaUd6UFp6QmItNC1wUlhucUh2RW1XZ19VMlZVZ1JBRURVWG1xTUt0UQ?oc=5) · Great Bend Tribune
- 2026-04-03 [Hays Kiwanis Club 52nd annual Easter Egg Hunt Saturday morning - hayspost.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE5UMnJld09YdDBWTUZvUUk0Vll3STRhdGlKZVJEM213SDhsV0Y2VDhPTWd5eDdVQlBjZWhINHFIUGhmcmY0S01BTnhsZWNQZzY3RWowZE9fdUdOYUdvbmZ6S2IwSXhvS01QZzBfRGJWM3I?oc=5) · hayspost.com
- 2019-01-18 [Management Company To Run Rural Kansas Hospital After Bank Moved To Foreclose - KCUR](https://news.google.com/rss/articles/CBMitwFBVV95cUxPOHFQMG8tLUpZRGJzV3JqOXpZY0FJMlFxR1dhSlZPWElqaktGLWpRTkNWb21ndE83cGF5RUs4ek9MUjdzcWEwZUZuWjRKUDNxV1MyNmRCY0ctMm02Tk4xa2Vab19MVTVRVVpPcnk1Wm9CeXpGMnlsR0tUMHo0TEcyYmNFdTV6NG1ER09nanljTDA2R19BRUNCdUZ5QldPZ2kyZkpBb05PcThYWWRYQVF3VVBfbnpreEU?oc=5) · KCUR
- 2025-08-27 [Obituary for Judy A. (Polifka) Rohr-Flaherty - Hays Memorial Chapel Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1SLThfdFJld19nNFRXczVkZHZBaVRRNnkySnJtVWxvSmdIRjJPM1VnXzVEWUtIaFZUVGJSOF8tR3l6czhZQ0s1Z3QzNDBXdWtlY0ZMOVpoTjZiQlBWVmtNa2dyY3pSdTA?oc=5) · Hays Memorial Chapel Funeral Home
- 2014-03-30 [Business people for March 30 - The Hutchinson News](https://news.google.com/rss/articles/CBMimAFBVV95cUxOREwzN2d6X1FFSXNoTTVrSUEzcHJvUFgwNVZyOE9XaEdVanQyWk9tYmxwT25FVU5lWW5jNUJJQ01aR1dDUFVhOENPZzk0MUlYVHNIQS1sX2N6MndvcDMwRDREM0I1Z0pJb0ZuMEpib3dDSk9TZnoybXNQY3p2VEd5TU5zMjlVV0lzWGNpRHN4VktpNURPWG1VdQ?oc=5) · The Hutchinson News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17769 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "17769", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide