Golden Belt Bank, FSA
BankRegReports is independent of Golden Belt Bank, FSA and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Golden Belt Bank, FSA is an FDIC-insured savings institution headquartered in Hays, KS, established in 1920 (FDIC certificate 28735), and it is supervised by the OCC. At Q2 2026 it reported total assets of $373.5M, up 5.2% from Q2 2025, the 60th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.07% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28735
- Headquarters
- Hays, KS
- Established
- 1920
- Total assets, Q2 2026
- $373.5M
- Assets vs Q2 2025
- +5.2%
- Tier 1 leverage ratio, Q2 2026
- 10.07%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 301170668
- Latest call report
- Q2 2026, FFIEC 051 · Golden Belt Bank, FSA call report
- Holding company
- MID-AMERICA FINANCIAL CORPORATION
- Asset rank in state
- 60th of 182 in Kansas
Little in Golden Belt Bank, FSA's latest call report stands out. It reported $374 million in assets at June 30, 2026, up 5.2% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Loans are outrunning deposits: over the year loans rose 12.0% and deposits rose 1.6%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.36% of loans, down from 0.56% a year earlier.
As of June 30, 2026, Golden Belt Bank, FSA reported a return on assets of 1.36%, a nonperforming-loan ratio of 0.41% and a Texas ratio of 4.30%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Golden Belt Bank, FSA is the 60th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.5% to $373.5M, loans rose 4.5% and deposits fell 0.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 59.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 11.6%. The FDIC Summary of Deposits lists 3 offices for it, in Hays, KS, Fort Morgan, CO and Ellis, KS; its Hays office books 53% of its branch deposits. By the capital ratios in its Q2 2026 call report, Golden Belt Bank, FSA meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1100 E 27th St, Hays, KS 67601
- County
- Ellis
- Metro Area
- Hays, KS
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1920
- Former names
- Golden Belt Building and Savingsa (1989-1993)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $285.2M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $374.5M
- Average total loans
- $275.7M
- Average interest-bearing deposits
- $231.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28735
- Fed RSSD
- 148171
- SEC CIK
- 1710104 → filed by MID-AMERICA FINANCIAL CORPORATION
- Website
- www.goldenbeltbank.com →
- Parent Holding Company
- MID-AMERICA FINANCIAL CORPORATION (RSSD 3835230)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Golden Belt Bank, FSA reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Golden Belt Bank, FSA's total assets ranged from $303.8M (Q3 2023) to $373.5M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$373.5M total assets against $354.9M; $335.3M total liabilities against $317.4M.
$277.7M net loans and leases against $247.9M; $285.2M total deposits against $280.8M.
$65.5M securities against $67.9M; $4.7M cash and balances due against $14.2M.
$4.9M total interest income against $4.5M; $1.5M total interest expense against $1.5M.
$3.4M net interest income against $3.0M.
$605K total noninterest income against $661K; $2.3M total noninterest expense against $2.3M.
$90K provision for credit losses against $30K.
$1.3M net income against $1.3M.
1.36% return on assets against 1.47%; 3.84% net interest margin against 3.67%.
10.07% tier 1 leverage ratio against 11.19%.
Inside the full Golden Belt Bank, FSA terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGolden Belt Bank, FSA rankings
Its closest position to the top of a national ranking is 1,410 of 3,606, for efficiency ratio; its furthest is 2,154 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.93% (Q1 2026) to 1.51% (Q4 2025) and its net interest margin ran from 3.44% (Q4 2024) to 3.84% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.07% | 1.36% | 0.41% | 4.30% | 3.84% |
| Q1 2026 | 9.86% | 0.93% | 0.45% | 4.58% | 3.75% |
| Q4 2025 | 11.04% | 1.51% | 0.56% | 4.83% | 3.74% |
| Q3 2025 | 11.03% | 1.40% | 0.79% | 6.47% | 3.71% |
| Q2 2025 | 11.19% | 1.47% | 0.62% | 5.44% | 3.67% |
| Q1 2025 | 11.19% | 1.25% | 0.38% | 3.69% | 3.50% |
| Q4 2024 | 11.17% | 0.98% | 0.49% | 4.43% | 3.44% |
| Q3 2024 | 11.46% | 1.42% | 0.81% | 6.57% | 3.62% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Golden Belt Bank, FSA (main office) | Hays , KS | 67601 | $150.9M |
| Fort Morgan Br | Fort Morgan , CO | 80701 | $90.0M |
| 901 Washington St Branch | Ellis , KS | 67637 | $44.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 2, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 2, 2017 | Structure Change | Acquired Morgan Federal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KS, rank 103 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Golden Belt Bank, FSA’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Golden Belt Bank, FSA
What are Golden Belt Bank, FSA's total assets?
As of the Q2 2026 filing, Golden Belt Bank, FSA reported total assets of $373.5 million in its FFIEC call report.
Where is Golden Belt Bank, FSA headquartered?
It is headquartered in Hays, KS, United States.
When was Golden Belt Bank, FSA founded?
It was established in 1920, per the FDIC institution directory.
Is Golden Belt Bank, FSA FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #28735). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Golden Belt Bank, FSA?
Golden Belt Bank, FSA's primary federal regulator is the OCC.
How many branches does Golden Belt Bank, FSA operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Golden Belt Bank, FSA's Texas Ratio?
Its Texas Ratio is 4.30% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Golden Belt Bank, FSA previously called?
The charter now named Golden Belt Bank, FSA has also operated as Golden Belt Building and Savingsa (1989-1993), per FDIC structure-change records.
Go deeper on Golden Belt Bank, FSA.
Get an email when Golden Belt Bank, FSA files its next call report, and benchmark it against any peer you choose.
Unlock Golden Belt Bank, FSA, freeFree account