Bank of Hays

1000 West 27th Street
Hays, KS 67601

Notable Rates APY Vs.Others
Savings 0.15% 2.20% →
1-Year CD 1.26% 2.20% →
2-Year CD 1.51% 2.20% →
5-Year CD N.A. 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Bank of Hays is an FDIC insured institution located in Hays, KS. It was founded in 1907 and has approximately $0.25 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 17769
Date Established 1907
Assets $0.25 billion
Loans $0.17 billion
Deposits $0.22 billion
Capital $0.03 billion

For a more detailed analysis of Bank of Hays's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 16, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $1 $9,999 Learn MoreShow Less
Money Market
0.40% $10,000 $49,999 Learn MoreShow Less
3 Mo CD
1.00% $1,000 - Learn MoreShow Less
6 Mo CD
1.00% $1,000 - Learn MoreShow Less
12 Mo CD
1.26% $1,000 - Learn MoreShow Less
Special: 19 Mo CD
1.87% $10,000 - Learn MoreShow Less
24 Mo CD
1.51% $1,000 - Learn MoreShow Less
30 Mo CD
1.76% $1,000 - Learn MoreShow Less
36 Mo CD
1.91% $1,000 - Learn MoreShow Less
48 Mo CD
2.02% $1,000 - Learn MoreShow Less

Variable IRA Rates APY MIN MAX
1.25% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1 - Learn MoreShow Less

Loan Rates - February 16, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Hays

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.378% 3.375% 0.00 $92 $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Bank of Hays
To upload and update your bank's rates please register. It is free to register and add rates.


Bank of Hays branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Bank of Hays Locations

Financial Details

Bank of Hays Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Hays. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Hays U.S. Bank Average
34.7% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, Bank of Hays had $10,327,000 in non-current loans and $377,000 in owned real estate. To cover these potential losses it had $28,193,000 in equity and $2,654,000 in loans loss reserves. That gives it a Texas Ratio of 34.7%.

Return on Equity
Bank of Hays U.S. Bank Average
10.34% 9.72%

Bank of Hays has a Return on Equity of 10.34% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bank of Hays U.S. Bank Average
11.1% 12.89%

Bank of Hays has a Capitalization of 11.1% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Hays Balance Sheet Analysis

As of September 30, 2019, Bank of Hays had assets of $254,062,000, loans of $166,629,000, and deposits of $217,448,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.07 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.17 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.23 billion
Total deposits $0.22 billion
      Interest-bearing deposits $0.17 billion
      Deposits held in domestic offices $0.22 billion
      % insured (estimated) 75.22%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.23 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Bank of Hays’s loan portfolio are Commercial Real Estate, Farm Loans, and Commercial and Industrial Loans.

Compared to other banks in Kansas, Bank of Hays has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.92
Credit Card Loans 0.00
Consumer Auto Loans 2.33
Small Business Loans 9.21
Construction and Development Loans 2.99
Commercial Real Estate 26.59
Commercial and Industrial Loans 17.26
Farm Loans 18.85

Frequently Asked Questions About Bank Of Hays

Branches and Savings

Is Bank Of Hays FDIC insured?

Yes. It is covered under FDIC Certificate #17769.

Why does Bank Of Hays pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of Hays CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of Hays a commercial bank?


Where are Bank Of Hays locations?

See branch locations nearby.

Is Bank Of Hays open on Saturdays?

Is Bank Of Hays open on Sundays?

What time does Bank Of Hays open?

What time does Bank Of Hays close?

Are Bank Of Hays ATMs Open 24/7?

Do Bank Of Hays ATMs accept cash deposits?

Can Bank Of Hays customers use other ATMs?

Do Bank Of Hays branches have notaries?

Will Bank Of Hays notarize my document?

What address for Bank Of Hays should I put for incoming ACH transfers?

Will the Bank Of Hays branch print checks?

Do Bank Of Hays checks expire?

Does Bank Of Hays require US citizenship to open account?

Can Bank Of Hays close my account?

Does Bank Of Hays Report to credit bureaus?

Does Bank Of Hays Use Equifax?

What is Bank Of Hays's ACH Routing Number?

What is Bank Of Hays's SWIFT code?


Does Bank Of Hays offer mortgages?

Compare mortgage rates here.

Does Bank Of Hays offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Hays offer personal loans?

Compare personal loan rates here.

Does Bank Of Hays offer student loans?

Will Bank Of Hays cash a check?

Will Bank Of Hays redeem a savings bond?

Does Bank Of Hays cash savings bonds?

Will Bank Of Hays cash money orders?

Can Bank Of Hays issue a money order?

Does Bank Of Hays do currency exchange?

Background on The Bank

Who owns Bank Of Hays?

How long has Bank Of Hays been around?

Can Bank Of Hays transfer to other banks?

Does Bank Of Hays have quick pay?

Does Bank Of Hays accept rolled coins?

Will Bank Of Hays accept loose change?

Where is Bank Of Hays headquarters?

Customer Reviews for Bank of Hays

There are currently no comments for Bank of Hays. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →