BlastPoint's Banking Scorecard

Golden Belt Bank, FSA

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

Hays, KS

3 branches across KS · CO

2664 banks in the $100M-$1B peer group nationally 118 in KS

Golden Belt Bank, FSA has 2 strengths but faces 5 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 3.55% below tier average
+ Delinquency Rate 0.43% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 21.0% in tier
- Credit Quality Pressure: Bottom 25.4% in tier
- Credit Risk Growth: Bottom 40.8% in tier
- Liquidity Strain: Bottom 49.5% in tier
- Net Interest Margin 0.06% below tier average

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$368.0M +9.1% YoY +0.8% QoQ	-$18.0M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	57%
Total Loans ?	$265.9M +10.4% YoY +2.4% QoQ	+$10.2M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	62%
Total Deposits ?	$287.9M +7.0% YoY +1.9% QoQ	-$40.0M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	52%
Return on Assets ?	0.93% -26.0% YoY -34.3% QoQ	-0.33%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	34%
Net Interest Margin ?	3.87% +7.1% YoY +2.8% QoQ	-0.06%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	50%
Efficiency Ratio ?	61.73% -5.8% YoY -2.1% QoQ	-3.55%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	54%
Delinquency Rate ?	0.46% +17.5% YoY -19.0% QoQ	-0.43%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	48%
Loan-to-Deposit Ratio ?	92.34% +3.2% YoY +0.5% QoQ	+15.70%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	19.19% +6.0% YoY +7.3% QoQ	-2.83%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	41%
Nonperforming Asset Ratio ?	0.51% +7.8% YoY -12.4% QoQ	-0.13%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	37%
Tier 1 Capital Ratio ?	9.86% -11.9% YoY -10.7% QoQ	-5.97%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	Bottom 8.1% in tier
Non-Interest Income / Assets ?	0.14% -3.6% YoY -79.4% QoQ	-0.14%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	70%

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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 (4)

Margin Compression

decline

#65 of 305 • Bottom 21.0% 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: 0.93%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Credit Quality Pressure

risk

#333 of 1308 • Bottom 25.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.46%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#398 of 973 • Bottom 40.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#319 of 643 • Bottom 49.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.34%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2449

Tier 1 Capital Ratio

capital

Value: 9.86%

Peer Median: 15.83%

#2449 of 2664 Bottom 8.1% in $100M-$1B

2139

Loan-to-Deposit Ratio

liquidity

Value: 92.34%

Peer Median: 76.64%

#2139 of 2664 Bottom 19.7% in $100M-$1B