Bank · FDIC insured
Golden Belt Bank
A $373.5M bank headquartered in Hays, KS, with 3 branches in 2 states. Best rates: CDs 3.75% and savings 0.50% APY.
Golden Belt Bank Carrot Score
70
Carrot Score
Higher than 27% of U.S. banks and credit unions
#3 of 6 in Hays, KS metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Golden Belt Bank
- Headquarters
- 1100 E 27th St, Hays, KS 67601
- FDIC certificate
- 28735 ↗
Branches
3 branches in 2 states
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Kansas
2 branches
- Golden Belt Bank, FSAMain office1100 E 27th St, Hays, KS 67601Directions
- 901 Washington St Branch901 Washington St, Ellis, KS 67637Directions
Colorado
1 branch
- Fort Morgan Br321 Ensign St, Fort Morgan, CO 80701Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.07% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.41% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.15% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $98 | $81 | — |
- CapitalLeverage ratio10.07%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.41%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.15%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$98Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Golden Belt Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.