Side-by-side · Q2 2026 data
Bank of Hays vs Mutual Savings Association
Metric by metric
| Measure | Bank of Hays | Mutual Savings Association |
|---|---|---|
| TellerScore | 75 | 80 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 84 (stronger) | 63 |
| Earnings | 81 | 84 (stronger) |
| Funding & liquidity | 86 (stronger) | 53 |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 61st | 77th |
| Total assets | $379.2M | $398.6M |
| Deposits / shares | $338.0M | $255.7M |
| Capital ratio | 9.97% | 23.84% (stronger) |
| Problem loans | 0.47% (stronger) | 1.11% |
| Net charge-offs | -0.00% | -0.01% (stronger) |
| Return on assets | 1.53% | 1.60% (stronger) |
| Loans ÷ deposits | 56.8% (stronger) | 107.2% |
| Uninsured deposits | 27.9% | 11.6% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mutual Savings Association has the higher TellerScore (80 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Bank of Hays leads on 2 and Mutual Savings Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.