Bank of Hays
Headquartered in HAYS, KS. Analysis based on 135 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $38.8M.
Total 7(a) loans
135
Total approved
$38.8M
Average loan
$287K
States funded in
5
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
47.27%
Average rate
6.74%
Average term
104 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 213112 | Support Activities for Oil and Gas Operations | 17 |
| 238990 | All Other Specialty Trade Contractors | 7 |
| 541490 | Other Specialized Design Services | 5 |
| 561730 | Landscaping Services | 5 |
| 484121 | General Freight Trucking, Long Distance, Truckload | 5 |
| 236118 | Residential Remodelers | 4 |
| 484110 | General Freight Trucking, Local | 4 |
| 484220 | Specialized Freight (except Used Goods) Trucking, Local | 4 |
| 722511 | Full-Service Restaurants | 4 |
| 453220 | Gift, Novelty, and Souvenir Stores | 3 |
Top 10 states
| State | Loans |
|---|---|
| KS | 126 |
| FL | 5 |
| TX | 2 |
| CO | 1 |
| MO | 1 |
Top franchise brands financed
3 franchise loans across 3 distinct brands.
| Franchise | Loans |
|---|---|
| Days Inn by Wyndham | 1 |
| A&W | 1 |
| Baymont by Wyndham aka Baymont | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.