Side-by-side · Q2 2026 data
Bank of Hays vs Golden Belt Bank, FSA
Metric by metric
| Measure | Bank of Hays | Golden Belt Bank, FSA |
|---|---|---|
| TellerScore | 75 (stronger) | 68 |
| Capital cushion | 50 | 51 (stronger) |
| Loan quality | 84 | 86 (stronger) |
| Earnings | 81 (stronger) | 66 |
| Funding & liquidity | 86 (stronger) | 62 |
| Problem-loan coverage | 95 (stronger) | 91 |
| Peer percentile | 61st | 37th |
| Total assets | $379.2M | $373.5M |
| Deposits / shares | $338.0M | $285.2M |
| Capital ratio | 9.97% | 10.07% (stronger) |
| Problem loans | 0.47% | 0.41% (stronger) |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 1.53% (stronger) | 1.15% |
| Loans ÷ deposits | 56.8% (stronger) | 97.4% |
| Uninsured deposits | 27.9% | 16.0% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Hays has the higher TellerScore (75 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Bank of Hays leads on 3 and Golden Belt Bank, FSA on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.