Golden Belt Bank, FSA: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Golden Belt Bank, FSA of Hays, KS against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.36% | 1.34% | +0.02% | 56th above |
| ROAE | 13.50% | 13.32% | +0.18% | 57th above |
| Net Interest Margin | 3.84% | 3.93% | -0.09% | 45th below |
| Efficiency Ratio | 56.40% | 61.13% | -4.73% | 65th above |
| PPNR / Avg Assets | 1.87% | 1.68% | +0.19% | 66th above |
| Yield on Earning Assets | 5.54% | 5.67% | -0.13% | 47th below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.83% | 1.88% | -0.05% | 48th below |
| Net Interest Spread | 3.36% | 3.32% | +0.04% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.29% | 0.94% | -0.65% | 58th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.39% | 0.70% | -0.31% | 44th below |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 81st top |
| ACL / Total Loans | 1.06% | 1.28% | -0.22% | 32nd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 359.90% | 1546.59% | -1186.69% | 64th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.65% | 7.34% | -2.69% | 43rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.07% | 12.14% | -2.07% | 33rd below |
| Equity / Assets | 10.22% | 11.37% | -1.15% | 48th below |
| TCE / Tangible Assets | 9.66% | 11.08% | -1.42% | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.42% | 80.66% | +17.76% | 13th bottom |
| Core Deposit Ratio | 92.55% | 86.85% | +5.70% | 71st above |
| Wholesale Funding Ratio | 12.85% | 5.03% | +7.82% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.25% | 6.84% | -1.59% | 57th above |
| Loan Growth (Y/Y) | 12.03% | 7.92% | +4.11% | 80th top |
| Deposit Growth (Y/Y) | 1.57% | 6.29% | -4.72% | 32nd below |
See Golden Belt Bank, FSA's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Golden Belt Bank, FSA, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Golden Belt Bank, FSA profile, how to read a UBPR, or how this data updates.