Bank of Hays (FDIC certificate #17769) is based in Hays, Kansas. Its Q2 2026 call report shows $379.2M in total assets and $338.0M in deposits and 4 offices.
Based on its Q2 2026 filing, Bank of Hays scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 91st. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is capital cushion (50/100; 9.97%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (72 → 75), mostly because the earnings component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 68 |
| Q4 2024 | 68 |
| Q1 2025 | 69 |
| Q2 2025 | 72 |
| Q3 2025 | 75 |
| Q4 2025 | 75 |
| Q1 2026 | 66 |
| Q2 2026 | 75 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.54% |
| Q3 2024 | 9.76% |
| Q4 2024 | 10.05% |
| Q1 2025 | 9.52% |
| Q2 2025 | 9.77% |
| Q3 2025 | 10.20% |
| Q4 2025 | 10.36% |
| Q1 2026 | 9.86% |
| Q2 2026 | 9.97% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.54% |
| Q3 2024 | 0.54% |
| Q4 2024 | 0.64% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.14% |
| Q3 2025 | 0.16% |
| Q4 2025 | 0.21% |
| Q1 2026 | 1.33% |
| Q2 2026 | 0.47% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.98% |
| Q3 2024 | 1.00% |
| Q4 2024 | 1.02% |
| Q1 2025 | 1.21% |
| Q2 2025 | 0.99% |
| Q3 2025 | 1.12% |
| Q4 2025 | 1.15% |
| Q1 2026 | 1.51% |
| Q2 2026 | 1.53% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $379.2M | 9.97% | 0.47% | 1.53% | 56.8% |
| Q1 2026 | 66 | $368.9M | 9.86% | 1.33% | 1.51% | 59.8% |
| Q4 2025 | 75 | $370.2M | 10.36% | 0.21% | 1.15% | 63.4% |
| Q3 2025 | 75 | $360.4M | 10.20% | 0.16% | 1.12% | 58.3% |
| Q2 2025 | 72 | $358.5M | 9.77% | 0.14% | 0.99% | 64.7% |
| Q1 2025 | 69 | $364.6M | 9.52% | 0.53% | 1.21% | 62.0% |
| Q4 2024 | 68 | $355.9M | 10.05% | 0.64% | 1.02% | 67.8% |
| Q3 2024 | 68 | $346.2M | 9.76% | 0.54% | 1.00% | 67.2% |
| Q2 2024 | 67 | $353.7M | 9.54% | 0.54% | 0.98% | 65.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| ESB FinancialBank Emporia, KS | 59 out of 100, Moderate | $381.3M | 9.1% | 1.58% | vs |
| Guaranty State Bank and Trust CompanyBank Beloit, KS | 72 out of 100, Strong | $381.4M | 11.6% | 0.60% | vs |
| Commercial BankBank Parsons, KS | 62 out of 100, Moderate | $382.2M | 8.3% | 0.72% | vs |
| Community First National BankBank Manhattan, KS | 77 out of 100, Strong | $374.7M | 10.9% | 0.20% | vs |
| Golden Belt Bank, FSABank Hays, KS | 68 out of 100, Moderate | $373.5M | 10.1% | 0.41% | vs |
| The Farmers State Bank of Oakley, KansasBank Oakley, KS | 76 out of 100, Strong | $396.1M | 11.6% | 0.01% | vs |
Deposit insurance
Is my money safe at Bank of Hays?
Yes. Bank of Hays is an FDIC-insured institution (FDIC certificate #17769). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.9% of deposits ($94.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.97%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Bank of Hays lists 4 offices in 4 cities. Most locations:
- Hanston, KS (1)
- Hays, KS (1)
- Jetmore, KS (1)
- Lewis, KS (1)
Identity & history
Profile
- Legal name
- Bank of Hays
- Former names
- The Hanston State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 17769
- RSSD ID
- 746755
- Primary regulator
- FDIC
- Holding company
- Hanston Insurance Agency Inc
- Established
- August 21, 1907
- Headquarters
- 1000 W 27th St, Hays, KS 67601
- Website
- www.bankofhays.com
- Employees
- 30
Quick answers
Bank of Hays: common questions
Is Bank of Hays FDIC insured?
Yes. Bank of Hays is an FDIC-insured institution (FDIC certificate #17769). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Hays's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Hays ever failed?
There is no failure record for FDIC certificate #17769 in the FDIC failed bank list.
How many branches does Bank of Hays have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hays
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ellis Credit UnionCredit union Ellis, KS | 89 out of 100, Very strong | $5.6M | 17.1% | 0.00% | vs |
| Central National BankBank Junction City, KS | 78 out of 100, Strong | $1.4B | 11.0% | 0.01% | vs |
| Commerce BankBank Kansas City, MO | 76 out of 100, Strong | $35.0B | 11.4% | 0.17% | vs |
| First Kansas BankBank Hoisington, KS | 74 out of 100, Strong | $294.4M | 8.3% | 0.00% | vs |
| Astra BankBank Scandia, KS | 70 out of 100, Strong | $423.3M | 9.3% | 0.03% | vs |
| Golden Plains Credit UnionCredit union Garden City, KS | 70 out of 100, Strong | $1.0B | 13.2% | 1.06% | vs |