Bank Of Hays (FDIC #17769): Bank Stress & Real-Estate Credit Exposure

Bank Of Hays (FDIC Cert #17769): bank stress 62/100, elevated, STABLE over 7 days; parent HANSTON INSURANCE AGENCY INC.

Bank Of Hays (#17769) lends in 3 counties across 1 state; Bank Of Hays (#17769) reaches 25 ZIP codes: Kansas 3 counties, 25 ZIPs.

Bank Of Hays (#17769) largest markets: Ellis County, KS (12 branches, 12 ZIPs) (#17769), Hodgeman County, KS (16 branches, 8 ZIPs) (#17769), Edwards County, KS (7 branches, 7 ZIPs) (#17769).

Bank Of Hays (#17769) reports $379.2 million in total assets; Bank Of Hays (#17769) equity $35.2 million (9.3% of Bank Of Hays (#17769) assets); Bank Of Hays (#17769) domestic deposits $338.0 million; Bank Of Hays (#17769) net income $2.9 million; Bank Of Hays (#17769) return on assets 1.53%; Bank Of Hays (#17769) return on equity 16.39%; Bank Of Hays (#17769) net interest income $6.3 million; Bank Of Hays (#17769) call report June 30, 2026.

Bank Of Hays (#17769) noncurrent real-estate loans: none reported; Bank Of Hays (#17769) net charge-offs on real estate 0.48%; Bank Of Hays (#17769) residential charge-offs 1.17%.

Bank Of Hays (#17769) net interest margin 3.55% against an eight-quarter Bank Of Hays (#17769) average of 3.26% (Bank Of Hays (#17769) compression -0.29 points); Bank Of Hays (#17769) non-residential real estate 117.5% of equity; Bank Of Hays (#17769) rate-exposure score 40/100, Bank Of Hays (#17769) fixed-rate trap 40/100; Bank Of Hays (#17769) risk type credit driven; Bank Of Hays (#17769) rate regime rates elevated, Bank Of Hays (#17769) snapshot October 20, 2026.

Bank Of Hays (#17769) stress score moved from 62.2 on June 22, 2026 to 62.4 on October 20, 2026; Bank Of Hays (#17769) ranged 62.2 to 62.4 over 117 snapshots.

Bank Of Hays (#17769) alerts: 3 counties; top Bank Of Hays (#17769) alert scores: Hays County, KS 22 (low); Jetmore County, KS 22 (low); Lewis County, KS 22 (low).