BlastPoint's Banking Scorecard

Golden Belt Bank, FSA

$100M-$1B Specialty: Mortgage KS FDIC cert 28735

Hays, KS

3 branches across KS · CO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
Deposits +1.6% year over year ($285.2M on the books).
Delinquency rate 0.42%.
Return on assets 1.15%.
Efficiency ratio 59.00% vs a 64.48% peer average.
Loan-to-deposit ratio 97.38% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

Golden Belt Bank, FSA has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 5.48% below tier average
+ Delinquency Rate 0.50% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 38.8% in tier
- Capital Thin: Bottom 42.8% in tier
- Net Interest Margin 0.07% below tier average

Get updates when Golden Belt Bank, FSA releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$373.5M +5.2% YoY +1.5% QoQ	-$13.0M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	57%
Total Loans ?	$277.7M +12.0% YoY +4.5% QoQ	+$19.4M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	63%
Total Deposits ?	$285.2M +1.6% YoY -0.9% QoQ	-$41.5M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	52%
Return on Assets ?	1.15% -15.8% YoY +23.3% QoQ	-0.17%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	44%
Net Interest Margin ?	3.91% +6.5% YoY +1.2% QoQ	-0.07%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	49%
Efficiency Ratio ?	59.00% -8.1% YoY -4.4% QoQ	-5.48%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	60%
Delinquency Rate ?	0.42% -33.9% YoY -8.6% QoQ	-0.50%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	50%
Loan-to-Deposit Ratio ?	97.38% +10.3% YoY +5.5% QoQ	+19.43%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	Bottom 13.1% in tier
Non-Interest-Bearing Deposit Share ?	18.26% -4.4% YoY -4.9% QoQ	-3.77%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	37%
Nonperforming Asset Ratio ?	0.48% -22.4% YoY -4.4% QoQ	-0.19%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	40%
Tier 1 Capital Ratio ?	10.07% -10.0% YoY +2.1% QoQ	-5.84%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	Bottom 11.7% in tier
Non-Interest Income / Assets ?	0.30% -7.6% YoY +115.6% QoQ	-0.27%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	72%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Noninterest-Bearing	18.3% -0.8pp YoY -0.9pp QoQ	-3.9pp	22.1%	22.3%	22.2%	37%
Brokered Deposits	n/a	n/a	7.9%	8.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	8.4% -0.2pp YoY +1.2pp QoQ	-3.2pp	11.6%	12.6%	12.5%	43%
CRE	15.4% -1.5pp YoY -0.8pp QoQ	-24.1pp	39.5%	28.8%	41.4%	11%
1-4 Family	60.3% +3.1pp YoY -0.2pp QoQ	+27.7pp	32.6%	26.7%	31.3%	90%
Consumer	4.4% -0.8pp YoY -0.3pp QoQ	+0.2pp	4.1%	4.6%	5.0%	73%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	23.3%	19.7%	n/a
Leverage Ratio	10.1% -1.1pp YoY +0.2pp QoQ	-2.1pp	12.2%	12.6%	12.6%	33%
Total Capital Ratio	n/a	n/a	19.9%	24.4%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	51 -2 (-3.8%) YoY -2 (-3.8%) QoQ	-8	58	70	482	54%
Assets per Employee ($)	$7.3M +9.4% YoY +5.5% QoQ	-$194K	$7.5M	$7.1M	$8.8M	58%
Branch Count	3 0 YoY 0 QoQ	-2	4	6	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.3pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.4%	0.4%	55%
Nonaccrual	0.3% +0.1pp YoY 0.0pp QoQ	-0.6pp	0.9%	0.8%	1.0%	38%
Allowance Coverage	2.56x +53.3% YoY +8.2% QoQ	-21.59x	24.15x	22.44x	20.23x	54%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY	-0.1pp	0.1%	0.1%	0.2%	23%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	11.1% -1.8pp YoY +2.2pp QoQ	-1.1pp	12.2%	14.3%	11.6%	43%
Cost of Funds (YTD)	1.8% -0.1pp YoY 0.0pp QoQ	0.0pp	1.7%	1.6%	1.7%	54%
Net Income ($, YTD)	$2.1M -9.5% YoY — QoQ	-$428K	$2.6M	$3.7M	$40.4M	55%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline

#120 of 307 • Bottom 38.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.15%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

Capital Thin

risk

#284 of 661 • Bottom 42.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.07%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2335

Tier 1 Capital Ratio

capital

Value: 10.07%

Peer Median: 15.91%

#2335 of 2643 Bottom 11.7% in $100M-$1B

2299

Loan-to-Deposit Ratio

liquidity

Value: 97.38%

Peer Median: 77.95%

#2299 of 2643 Bottom 13.1% in $100M-$1B