Call reports 2026
BANK OF HAYS — 2026
What BANK OF HAYS reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 368,915,000 | 379,202,000 |
| Total loans | 199,030,000 | 194,165,000 |
| Allowance for loan losses | 2,248,000 | 2,279,000 |
| Securities available for sale | 141,989,000 | 138,747,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 329,332,000 | 338,046,000 |
| Interest-bearing deposits | 254,613,000 | 262,492,000 |
| Noninterest-bearing deposits | 74,719,000 | 75,554,000 |
| Equity capital | 33,560,000 | 35,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 4,539,000 | 9,216,000 |
| Interest expense | 1,458,000 | 2,948,000 |
| Net interest income | 3,081,000 | 6,268,000 |
| Noninterest income | 253,000 | 529,000 |
| Noninterest expense | 1,648,000 | 3,311,000 |
| Provision for loan losses | 30,000 | 60,000 |
| Pretax income | 1,812,000 | 3,582,000 |
| Income tax | 419,000 | 724,000 |
| Net income | 1,393,000 | 2,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 36,302,000 | 37,766,000 |