Side-by-side · Q2 2026 data
The Farmers State Bank of Oakley, Kansas vs Bank of Hays
Metric by metric
| Measure | The Farmers State Bank of Oakley, Kansas | Bank of Hays |
|---|---|---|
| TellerScore | 76 (stronger) | 75 |
| Capital cushion | 66 (stronger) | 50 |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 73 | 81 (stronger) |
| Funding & liquidity | 43 | 86 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 64th | 61st |
| Total assets | $396.1M | $379.2M |
| Deposits / shares | $295.1M | $338.0M |
| Capital ratio | 11.61% (stronger) | 9.97% |
| Problem loans | 0.01% (stronger) | 0.47% |
| Net charge-offs | 0.03% | -0.00% (stronger) |
| Return on assets | 1.32% | 1.53% (stronger) |
| Loans ÷ deposits | 89.3% | 56.8% (stronger) |
| Uninsured deposits | 39.9% | 27.9% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Farmers State Bank of Oakley, Kansas has the higher TellerScore (76 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The Farmers State Bank of Oakley, Kansas leads on 3 and Bank of Hays on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.