Golden Belt Bank, FSA

Headquarters

901 Washington St
Ellis, KS 67637
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.40% →
1-Year CD 0.50% 1.15% →
2-Year CD 0.80% 1.26% →
5-Year CD 1.26% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Golden Belt Bank, FSA is an FDIC insured institution located in Ellis, KS. It was founded in 1920 and has approximately $0.24 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 28735
Date Established 1920
Assets $ 236.84 million
Loans $ 179.95 million
Deposits $ 196.40 million
Capital $ 32.72 million
 

For a more detailed analysis of Golden Belt Bank, FSA's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 3, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $1 - Learn More
Money Market
0.05% $1 $49,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.10% $1,000 - Learn More
6 Mo CD
0.20% $1,000 - Learn More
12 Mo CD
0.50% $1,000 - Learn More
18 Mo CD
0.70% $1,000 - Learn More
24 Mo CD
0.80% $1,000 - Learn More
36 Mo CD
1.00% $1,000 - Learn More
48 Mo CD
1.00% $1,000 - Learn More
60 Mo CD
1.26% $1,000 - Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.50% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $100 $2,499 Learn MoreShow Less
Int Ckg
0.05% $2,500 - Learn MoreShow Less

Loan Rates - July 3, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Golden Belt Bank, FSA

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

Note to Golden Belt Bank, FSA
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Branches

Golden Belt Bank, FSA branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Golden Belt Bank, FSA Locations


Financial Details

Golden Belt Bank, FSA Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Golden Belt Bank, FSA. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Golden Belt Bank, FSA U.S. Bank Average
7.41% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, Golden Belt Bank, FSA had $2,529,000 in non-current loans and $49,000 in owned real estate. To cover these potential losses it had $32,721,000 in equity and $2,048,000 in loans loss reserves. That gives it a Texas Ratio of 7.41%.

Return on Equity
Golden Belt Bank, FSA U.S. Bank Average
14.7% 9.41%

Golden Belt Bank, FSA has a Return on Equity of 14.7% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Golden Belt Bank, FSA U.S. Bank Average
13.82% 12.82%

Golden Belt Bank, FSA has a Capitalization of 13.82% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Golden Belt Bank, FSA Balance Sheet Analysis

As of December 31, 2019, Golden Belt Bank, FSA had assets of $236,842,000, loans of $179,950,000, and deposits of $196,404,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 3.92 million
Interest-bearing balances $ 2.89 million
Total securities $ 29.90 million
Federal funds sold and reverse repurchase $ 7.55 million
Net loans and leases $ 179.95 million
Loan loss allowance $ 2.05 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.05 million
Goodwill and other intangibles $ 4.18 million
All other assets $ 8.39 million
     Total Assets $ 204.12 million
LIABILITIES
Total deposits $ 196.40 million
      Interest-bearing deposits $ 159.52 million
      Deposits held in domestic offices $ 196.40 million
      % insured (estimated) 82.24%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 7.31 million
Subordinated debt N.A.
All other liabilities $ 0.41 million
      Total Liabilities $ 204.12 million
      Shareholders’ Equity $ 32.72 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 10.11 million
Total Interest Expense $ 1.09 million
Net interest income $ 9.01 million
Provision for loan and lease losses $ 0.43 million
Total non interest income $ 2.66 million
Total non interest expense $ 6.63 million
Pre-tax Net Operating Income $ 4.61 million

Bank Loan Profile?

The top three loan types in Golden Belt Bank, FSA’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Kansas, Golden Belt Bank, FSA has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 49.08
Multifamily
Mortgages
1.27
Credit Card Loans 0.00
Consumer Auto Loans 2.32
Small Business Loans 9.07
Construction and Development Loans 4.92
Commercial Real Estate 15.10
Commercial and Industrial Loans 11.80
Farm Loans 5.35

Frequently Asked Questions About Golden Belt Bank, Fsa

Branches and Savings

Is Golden Belt Bank, Fsa FDIC insured?

Yes. It is covered under FDIC Certificate #28735.

Why does Golden Belt Bank, Fsa pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Golden Belt Bank, Fsa CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Golden Belt Bank, Fsa a commercial bank?

Yes

Where are Golden Belt Bank, Fsa locations?

See branch locations nearby.

Is Golden Belt Bank, Fsa open on Saturdays?

Is Golden Belt Bank, Fsa open on Sundays?

What time does Golden Belt Bank, Fsa open?

What time does Golden Belt Bank, Fsa close?

Are Golden Belt Bank, Fsa ATMs Open 24/7?

Do Golden Belt Bank, Fsa ATMs accept cash deposits?

Can Golden Belt Bank, Fsa customers use other ATMs?

Do Golden Belt Bank, Fsa branches have notaries?

Will Golden Belt Bank, Fsa notarize my document?

What address for Golden Belt Bank, Fsa should I put for incoming ACH transfers?

Will the Golden Belt Bank, Fsa branch print checks?

Do Golden Belt Bank, Fsa checks expire?

Does Golden Belt Bank, Fsa require US citizenship to open account?

Can Golden Belt Bank, Fsa close my account?

Does Golden Belt Bank, Fsa Report to credit bureaus?

Does Golden Belt Bank, Fsa Use Equifax?

What is Golden Belt Bank, Fsa's ACH Routing Number?

What is Golden Belt Bank, Fsa's SWIFT code?

Products

Does Golden Belt Bank, Fsa offer mortgages?

Compare mortgage rates here.

Does Golden Belt Bank, Fsa offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Golden Belt Bank, Fsa offer personal loans?

Compare personal loan rates here.

Does Golden Belt Bank, Fsa offer student loans?

Will Golden Belt Bank, Fsa cash a check?

Will Golden Belt Bank, Fsa redeem a savings bond?

Does Golden Belt Bank, Fsa cash savings bonds?

Will Golden Belt Bank, Fsa cash money orders?

Can Golden Belt Bank, Fsa issue a money order?

Does Golden Belt Bank, Fsa do currency exchange?

Background on The Bank

Who owns Golden Belt Bank, Fsa?

How long has Golden Belt Bank, Fsa been around?

Can Golden Belt Bank, Fsa transfer to other banks?

Does Golden Belt Bank, Fsa have quick pay?

Does Golden Belt Bank, Fsa accept rolled coins?

Will Golden Belt Bank, Fsa accept loose change?

Where is Golden Belt Bank, Fsa headquarters?

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