Golden Belt Bank, FSA: how it compares with its peers
Against 73 KS banks with half to twice its assets, Golden Belt Bank, FSA's strongest measure in Q2 2026 is assets per employee ($7.3M vs. a $6.6M peer median). Its weakest relative measure is return on assets (1.15% vs. 1.53%).
| Measure | Golden Belt Bank, FSA | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.15% | 1.53% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.91% | 4.06% | Middle third Ahead of 45% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.00% | 58.80% | Middle third Ahead of 49% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $6.6M | Middle third Ahead of 66% of peers |
| Loans to deposits Net loans and leases over total deposits. | 97.38% | 78.96% | Context |
What it means for lending operations
Its efficiency ratio of 59.00% is above the 58.80% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Community First National Bank Manhattan, KS · $375M
- Bank of Hays Hays, KS · $379M
- ESB Financial Emporia, KS · $381M
- Guaranty State Bank and Trust Company Beloit, KS · $381M
- Commercial Bank Parsons, KS · $382M
- The Farmers State Bank of Oakley, Kansas Oakley, KS · $396M
Questions about Golden Belt Bank, FSA
How big is Golden Belt Bank, FSA?
Golden Belt Bank, FSA, established in 1920, is headquartered in Hays, KS. It reported $374M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Golden Belt Bank, FSA's return on assets?
1.15% annualized in Q2 2026, against a 1.53% median for 73 KS banks with half to twice its assets, ahead of 25% of them.
What is Golden Belt Bank, FSA's efficiency ratio?
59.00% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 58.80%, and lower is better.
Is Golden Belt Bank, FSA growing its loans?
Net loans grew 12.0% over the year to Q2 2026, while deposits grew 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.