Golden Belt Bank, FSA

Golden Belt Bank, FSA Locations
901 Washington St
Ellis, KS 67637
(785) 726-3157
www.goldenbeltbank.com

Golden Belt Bank, FSA is headquartered in Ellis and is the 95th largest bank in the state of Kansas. It is also the 4,200th largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 32 employees at 2 locations. Golden Belt Bank, FSA has a 5-star health rating.

Golden Belt Bank, FSA Routing Number: 301170668



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See Rates for: Checking | Savings | Money Market | CD | IRA

Golden Belt Bank, FSA Checking Account Rates

ApyMinMaxProduct
0.10%$2,500-Super NOW Checking
0.05%--Interest Bearing Checking
0.05%--Golden 55 Checking

Golden Belt Bank, FSA Savings Account Rates

ApyMinMaxProduct
0.15%--Statement Savings
0.15%--Golden Kids Club
0.15%$100-IRA Statement Savings
0.15%$100-Roth IRA Statement Savings
0.15%$100-CESA Statement Savings

Golden Belt Bank, FSA Money Market Rates

ApyMinMaxProduct
0.15%$2,500-Money Market

Golden Belt Bank, FSA CD Rates

ApyMinMaxProduct
1.56%--5-7 Year CD
1.05%--3-5 Year CD
0.65%--2 Year CD
0.45%--18 Month CD
0.30%--1 Year CD
0.25%--6 Month CD
0.25%--9 Month CD
0.20%--3 Month CD

Golden Belt Bank, FSA IRA Rates

ApyMinMaxProduct
1.56%--5 Year IRA
1.56%--5 Year Roth IRA
1.56%--5 Year CESA
1.05%--3 Year IRA
1.05%--4 Year IRA
1.05%--3 Year Roth IRA
1.05%--4 Year Roth IRA
1.05%--3 Year CESA
1.05%--4 Year CESA
0.65%--2 Year IRA
0.65%--2 Year Roth IRA
0.65%--2 Year CESA
0.45%--18 Month IRA
0.45%--18 Month Roth IRA
0.45%--18 Month CESA
0.30%--1 Year IRA
0.30%--1 Year Roth IRA
0.30%--1 Year CESA

Rates updated: 5/25/2012 * Not all products updated

Data for Q1 2012


Institution Statistics


Golden Belt Bank, FSA
OTS #02253
FDIC Certificate #28735
BankRate ReportView
Year Established1920
Employees32
Primary RegulatorOCC

Assets and Liabilities

Assets$132.19 million
Loans$93.02 million
Deposits$104.08 million
Equity Capital$16.76 million
Loan Loss Allowance$1.06 million
Unbacked Noncurrent Loans$1.90 million
Real Estate Owned$1.31 million

Historic Data - March 2011

Assets$121.57 million
Equity Capital$14.74 million
Loan Loss Allowance$622,000
Unbacked Noncurrent Loans$1.72 million
Real Estate Owned$2.97 million

Profit Margin - Quarterly

Net Interest Margin4.17%
Return on Assets2.3%
Return on Equity17.97%
Interest Income$1.45 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio3
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Golden Belt Bank, FSA had $3.2 million in non-current loans and owned real-estate with $17.83 million in equity and loan loss allowances on hand to cover it. This gives Golden Belt Bank, FSA a Texas Ratio of 17.97% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for Golden Belt Bank, FSA decreased significantly from 30.55% as of March 31, 2011 to 17.97% as of March 31, 2012, resulting in a positive change of 41.17%.This indicates that the balance sheet and financial strength for Golden Belt Bank, FSA has improved significantly in recent periods.
Deposit Growth5
In the past year, Golden Belt Bank, FSA has increased its total deposits by $13.65 million, resulting in 15.09% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Golden Belt Bank, FSA has shown is excellent.
Capitalization5
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Golden Belt Bank, FSA has $132.18 million in assets with $17.83 million in equity, resulting in a capitalization level of 13.49%, which is excellent.
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