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Golden Belt Bank, Fsa
Hays, KS · FDIC Certificate #28735 · Chartered 01/0
Total assets
$373.54M
Total deposits
$285.20M
Total equity
$38.19M
Net loans
$277.73M
Branches (offices)
3
Net income (YTD)
$2.13M
Rank: #2,163 of 4,213 U.S. banks by assets · #60 of 183 in Kansas. Assets changed 5.2% and deposits 1.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.15% |
| Return on equity | 11.05% |
| Net interest margin (YTD) | 3.91% |
| Equity to assets | 10.22% |
| Tier 1 leverage ratio | 10.07% |
| Uninsured deposits (share of deposits) | 16.0% |
| Noncurrent loans (share of loans) | 0.41% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 97.4% |
| Real estate loans (share of loans) | 83.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $231.95M | 83.5% | |
| Commercial & industrial | $23.29M | 8.4% | |
| Consumer / individual | $12.09M | 4.4% | |
| Construction & development | $5.13M | 1.8% | |
| Agricultural | $13.02M | 4.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $300.21M | $262.13M | $1.72M | $30.82M |
| Jun 2023 | $305.25M | $248.75M | $1.88M | $30.95M |
| Jun 2024 | $320.34M | $263.69M | $1.82M | $34.01M |
| Jun 2025 | $354.91M | $280.81M | $2.35M | $37.54M |
| Jun 2026 | $373.54M | $285.20M | $2.13M | $38.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $195.19M | 2 |
| Colorado | $90.02M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $285.20M.
Similar-sized banks
First Federal Community Bank Of Bucyrus ($373.83M) · The North Country Savings Bank ($373.48M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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