| Metric | Golden Belt Bank, FSA | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.4% | +0.9 pts |
| Deposit growth (YoY) | +1.6% | +4.0% | -2.4 pts |
| Loan growth (YoY) | +12.0% | +5.6% | +6.4 pts |
| ROA | 1.15% | 1.24% | -0.1 pts |
| ROE | 11.1% | 11.9% | -0.8 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $373.5M | $285.2M | $277.7M | $38.2M | $2.1M | 1.15% | 3.91% | 0.48% |
| Q1 2026 | $368.0M | $287.9M | $265.9M | $37.0M | $857K | 0.94% | 3.87% | 0.51% |
| Q4 2025 | $365.2M | $282.6M | $259.5M | $40.3M | $5.0M | 1.42% | 3.76% | 0.58% |
| Q3 2025 | $358.5M | $277.4M | $255.3M | $38.9M | $3.6M | 1.39% | 3.73% | 0.75% |
| Q2 2025 | $354.9M | $280.8M | $247.9M | $37.5M | $2.4M | 1.37% | 3.67% | 0.62% |
| Q1 2025 | $337.5M | $269.0M | $240.7M | $36.2M | $1.1M | 1.26% | 3.61% | 0.47% |
| Q4 2024 | $337.5M | $257.6M | $240.2M | $35.7M | $3.8M | 1.19% | 3.63% | 0.54% |
| Q3 2024 | $332.6M | $259.7M | $228.4M | $36.5M | $3.0M | 1.25% | 3.65% | 0.80% |
Loan mix (Q2 2026): real estate $231.9M · commercial $23.3M · consumer $12.1M · securities $65.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Golden Belt Bank, FSA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.24% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 11.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.0% | 62.9% | 39th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Golden Belt Bank, FSA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Golden Belt Bank, FSA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Golden Belt Bank, FSA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Golden Belt Bank, FSA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Golden Belt Bank, FSA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 2 states (+0 vs 2025) · $285.2M branch deposits. Biggest market: Ellis, KS, ranked 3rd with 12.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ellis, KS | 2 | $195.2M | 12.72% | 3rd |
| Morgan, CO | 1 | $90.0M | 9.58% | 3rd |
Kansas: 117th with 0.16% · Colorado: 142nd with 0.04% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (23 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).