Golden Belt Bank, FSA: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 30.13 percentage points in Q2 2026, from 329.77% to 359.90%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Golden Belt Bank, FSA is 108th of 182 on return on assets, 1.36% as of Q2 2026, below the middle of the field. Golden Belt Bank, FSA reported 1.36% on return on assets for Q2 2026, 0.11 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.07% |
| Equity capital to assets | 10.22% |
| Tangible equity to tangible assets | 9.66% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.29% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 4.65% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 359.90% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.36% |
| Return on equity | 13.50% |
| Net interest margin | 3.84% |
| Efficiency ratio | 56.40% |
| Yield on earning assets | 5.54% |
| Cost of funds | 1.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.42% |
| Core deposits to total deposits | 92.55% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 76.35% |
| Securities to assets | 17.54% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.81% | 1.10% | 3.57% | 0.75% | 0.32% |
| Q4 2023 | 12.32% | 1.02% | 3.47% | 0.79% | 0.01% |
| Q1 2024 | 11.81% | 1.13% | 3.38% | 0.47% | 0.00% |
| Q2 2024 | 11.86% | 1.20% | 3.53% | 0.49% | 0.02% |
| Q3 2024 | 11.46% | 1.42% | 3.62% | 0.30% | -0.00% |
| Q4 2024 | 11.17% | 0.98% | 3.44% | 0.27% | -0.00% |
| Q1 2025 | 11.19% | 1.25% | 3.50% | 0.25% | 0.00% |
| Q2 2025 | 11.19% | 1.47% | 3.67% | 0.23% | 0.00% |
| Q3 2025 | 11.03% | 1.40% | 3.71% | 0.33% | 0.00% |
| Q4 2025 | 11.04% | 1.51% | 3.74% | 0.32% | -0.00% |
| Q1 2026 | 9.86% | 0.93% | 3.75% | 0.32% | 0.00% |
| Q2 2026 | 10.07% | 1.36% | 3.84% | 0.29% | -0.00% |
Golden Belt Bank, FSA vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Golden Belt Bank, FSA, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Golden Belt Bank, FSA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28735) · FFIEC NIC profile (RSSD 148171)