Golden Belt Bank, FSA
Hays, KS · Cert 28735 · Peer group: banks under $1B in assets operating regionally (n=94) · Mid-America Financial Corp.
State savings bank · OCC · 3 branches
Q2 2026
$373.5MAssets
$280.7MLoans
$285.2MDeposits
$38.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating regionally (rank 12 of 94).
- Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets operating regionally (rank 77 of 94).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.14%
Rank 50 of 94
Net Interest Margin
3.62%
Rank 62 of 94
Efficiency Ratio
59.00%
Rank 33 of 94
Equity / Assets
10.22%
Rank 46 of 94
Non-interest income vs. expense
Unfavorable gap of $7.0M · efficiency ratio beats 66% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.14% | 0.82% | 1.19% | 1.46% | Beats 47% | 50 / 94 | |
| Return on Equity | 11.14% | 7.85% | 11.84% | 14.03% | Beats 45% | 52 / 94 | |
| Net Interest Margin | 3.62% | 3.42% | 3.81% | 4.18% | Beats 34% | 62 / 94 | |
| Efficiency Ratio | 59.00% | 55.99% | 62.41% | 73.02% | Beats 66% | 33 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.19% | 0.47% | 1.14% | Beats 55% | 43 / 94 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 100% | 12 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 10.07% | 10.28% | 11.95% | 15.07% | Beats 20% | 75 / 94 | |
| Total Risk-Based Capital Ratio | 10.07% | 10.31% | 12.59% | 15.88% | Beats 18% | 77 / 94 | |
| Equity / Assets | 10.22% | 8.98% | 10.21% | 11.41% | Beats 51% | 46 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 98.42% | 72.62% | 84.44% | 94.55% | 81st pctl | 18 / 94 | |
| Loans / Assets | 75.14% | 62.50% | 72.84% | 78.99% | 63rd pctl | 35 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |