| Metric | Bank of Hays | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.4% | +1.4 pts |
| Deposit growth (YoY) | +5.9% | +4.0% | +1.9 pts |
| Loan growth (YoY) | -7.0% | +5.6% | -12.6 pts |
| ROA | 1.53% | 1.24% | +0.3 pts |
| ROE | 16.4% | 11.9% | +4.5 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $379.2M | $338.0M | $191.9M | $35.2M | $2.9M | 1.53% | 3.55% | 0.24% |
| Q1 2026 | $368.9M | $329.3M | $196.8M | $33.6M | $1.4M | 1.51% | 3.52% | 0.72% |
| Q4 2025 | $370.2M | $318.2M | $201.8M | $35.8M | $4.2M | 1.15% | 3.36% | 0.11% |
| Q3 2025 | $360.4M | $319.9M | $186.5M | $34.1M | $3.0M | 1.12% | 3.37% | 0.08% |
| Q2 2025 | $358.5M | $319.3M | $206.5M | $32.0M | $1.8M | 0.99% | 3.28% | 0.08% |
| Q1 2025 | $364.6M | $324.8M | $201.4M | $30.1M | $1.1M | 1.21% | 3.23% | 0.30% |
| Q4 2024 | $355.9M | $306.5M | $207.7M | $30.3M | $3.6M | 1.02% | 2.91% | 0.38% |
| Q3 2024 | $346.2M | $294.5M | $198.0M | $30.6M | $2.6M | 1.00% | 2.86% | 0.31% |
Loan mix (Q2 2026): real estate $130.5M · commercial $23.0M · consumer $5.9M · securities $138.7M
| Ratio | Bank of Hays | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.24% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 11.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.7% | 62.9% | 14th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Hays | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Hays | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Hays | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Hays | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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