GOLDEN BELT BANK, FSA

HAYS, KS | Small | Est. Jan. 1, 1920, midnight | FDIC #28735 | RSSD #148171 | OCC
Latest Report: 2025-12-31

GOLDEN BELT BANK, FSA is asn small FDIC-insured commercial bank headquartered in HAYS, KS, established in Jan. 1, 1920, midnight. As of 2025-12-31, the bank reported total assets of $365M and total deposits of $283M. Profitability stands at 1.53% ROA and 13.96% ROE, with a net interest margin of 3.90%. The bank's CET1 capital ratio is 9.58%. Asset quality metrics show a non-performing loan ratio of 0.32% and a Texas Ratio of 3.46%. FDIC Certificate #28735.

Assets

$365M

Deposits

$283M

Loans

$262M

Equity

$40M

Profitability

Return on Assets (ROA) 1.53%
Return on Equity (ROE) 13.96%
Net Interest Margin (NIM) 3.90%
Yield on Assets 5.77%
Cost of Funds 1.94%

Asset Quality

NPL Ratio 0.32%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.46%
NPA Ratio 0.41%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 9.58%
Tier 1 Capital 9.58%
Total Capital Ratio 10.06%
Leverage Ratio 11.04%
Loan-to-Deposit 92.83%

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