Golden Belt Bank, FSA is a savings bank headquartered in Hays, Kansas, in business for about 106 years. At the end of Q2 2026 it reported $373.5M in total assets and $285.2M in deposits, with 3 offices across 2 states.
Golden Belt Bank, FSA has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 138th. Problem-loan coverage contributes the most (91/100, 4.4%); capital cushion contributes the least (51/100, 10.07%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (73 → 68), mostly because the capital cushion component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 71 |
| Q4 2024 | 72 |
| Q1 2025 | 74 |
| Q2 2025 | 73 |
| Q3 2025 | 70 |
| Q4 2025 | 73 |
| Q1 2026 | 67 |
| Q2 2026 | 68 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.86% |
| Q3 2024 | 11.46% |
| Q4 2024 | 11.17% |
| Q1 2025 | 11.19% |
| Q2 2025 | 11.19% |
| Q3 2025 | 11.03% |
| Q4 2025 | 11.04% |
| Q1 2026 | 9.86% |
| Q2 2026 | 10.07% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 0.81% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.38% |
| Q2 2025 | 0.62% |
| Q3 2025 | 0.79% |
| Q4 2025 | 0.56% |
| Q1 2026 | 0.45% |
| Q2 2026 | 0.41% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.16% |
| Q3 2024 | 1.25% |
| Q4 2024 | 1.19% |
| Q1 2025 | 1.26% |
| Q2 2025 | 1.37% |
| Q3 2025 | 1.39% |
| Q4 2025 | 1.42% |
| Q1 2026 | 0.93% |
| Q2 2026 | 1.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $373.5M | 10.07% | 0.41% | 1.15% | 97.4% |
| Q1 2026 | 67 | $368.0M | 9.86% | 0.45% | 0.93% | 92.3% |
| Q4 2025 | 73 | $365.2M | 11.04% | 0.56% | 1.42% | 91.8% |
| Q3 2025 | 70 | $358.5M | 11.03% | 0.79% | 1.39% | 92.0% |
| Q2 2025 | 73 | $354.9M | 11.19% | 0.62% | 1.37% | 88.3% |
| Q1 2025 | 74 | $337.5M | 11.19% | 0.38% | 1.26% | 89.5% |
| Q4 2024 | 72 | $337.5M | 11.17% | 0.49% | 1.19% | 93.2% |
| Q3 2024 | 71 | $332.6M | 11.46% | 0.81% | 1.25% | 88.0% |
| Q2 2024 | 73 | $320.3M | 11.86% | 0.67% | 1.16% | 85.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community First National BankBank Manhattan, KS | 77 out of 100, Strong | $374.7M | 10.9% | 0.20% | vs |
| Bank of HaysBank Hays, KS | 75 out of 100, Strong | $379.2M | 10.0% | 0.47% | vs |
| ESB FinancialBank Emporia, KS | 59 out of 100, Moderate | $381.3M | 9.1% | 1.58% | vs |
| Guaranty State Bank and Trust CompanyBank Beloit, KS | 72 out of 100, Strong | $381.4M | 11.6% | 0.60% | vs |
| Commercial BankBank Parsons, KS | 62 out of 100, Moderate | $382.2M | 8.3% | 0.72% | vs |
| The Farmers State Bank of Oakley, KansasBank Oakley, KS | 76 out of 100, Strong | $396.1M | 11.6% | 0.01% | vs |
Deposit insurance
Is my money safe at Golden Belt Bank, FSA?
Yes. Golden Belt Bank, FSA is an FDIC-insured institution (FDIC certificate #28735). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.0% of deposits ($45.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.07%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Golden Belt Bank, FSA lists 3 offices in 3 cities across 2 states. Most locations:
- Ellis, KS (1)
- Fort Morgan, CO (1)
- Hays, KS (1)
Identity & history
Profile
- Legal name
- Golden Belt Bank, FSA
- Former names
- Golden Belt Building and Savingsa; Golden Belt Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 28735
- RSSD ID
- 148171
- Primary regulator
- OCC
- Holding company
- Mid-America Financial Corp
- Established
- January 1, 1920
- Headquarters
- 1100 E 27th St, Hays, KS 67601
- Website
- www.goldenbeltbank.com
- Employees
- 51
Quick answers
Golden Belt Bank, FSA: common questions
Is Golden Belt Bank, FSA FDIC insured?
Yes. Golden Belt Bank, FSA is an FDIC-insured institution (FDIC certificate #28735). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Golden Belt Bank, FSA's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Golden Belt Bank, FSA ever failed?
There is no failure record for FDIC certificate #28735 in the FDIC failed bank list.
How many branches does Golden Belt Bank, FSA have?
3 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Hays
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ellis Credit UnionCredit union Ellis, KS | 89 out of 100, Very strong | $5.6M | 17.1% | 0.00% | vs |
| Central National BankBank Junction City, KS | 78 out of 100, Strong | $1.4B | 11.0% | 0.01% | vs |
| Commerce BankBank Kansas City, MO | 76 out of 100, Strong | $35.0B | 11.4% | 0.17% | vs |
| Bank of HaysBank Hays, KS | 75 out of 100, Strong | $379.2M | 10.0% | 0.47% | vs |
| First Kansas BankBank Hoisington, KS | 74 out of 100, Strong | $294.4M | 8.3% | 0.00% | vs |
| Astra BankBank Scandia, KS | 70 out of 100, Strong | $423.3M | 9.3% | 0.03% | vs |