Side-by-side · Q2 2026 data
Bank of Hays vs Community First National Bank
Metric by metric
| Measure | Bank of Hays | Community First National Bank |
|---|---|---|
| TellerScore | 75 | 77 (stronger) |
| Capital cushion | 50 | 59 (stronger) |
| Loan quality | 84 | 93 (stronger) |
| Earnings | 81 | 95 (stronger) |
| Funding & liquidity | 86 (stronger) | 49 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 61st | 68th |
| Total assets | $379.2M | $374.7M |
| Deposits / shares | $338.0M | $326.7M |
| Capital ratio | 9.97% | 10.94% (stronger) |
| Problem loans | 0.47% | 0.20% (stronger) |
| Net charge-offs | -0.00% | -0.01% (stronger) |
| Return on assets | 1.53% | 1.88% (stronger) |
| Loans ÷ deposits | 56.8% (stronger) | 88.1% |
| Uninsured deposits | 27.9% (stronger) | 35.6% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.0% |
Community First National Bank has the higher TellerScore (77 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Bank of Hays leads on 2 and Community First National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.