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Golden Belt Bank, FSA Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Golden Belt Bank, FSA's top rates as of October 7, 2026 are 3.75% APY on savings, 2.33% APY on money market accounts, 3.04% APY on checking, 7.00% on its 5x1 ARM mortgage, and auto loans from 5.27% APR, according to rates verified by MonitorBankRates. Other Golden Belt Bank, FSA mortgage rates include 7x1 ARM at 7.50%. MonitorBankRates evaluates the financial stability of Golden Belt Bank, FSA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.37%. Rates last updated and verified on 10/07/2026.

Golden Belt Bank, FSA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Golden Belt Bank, FSA? Share your experience about Golden Belt Bank, FSA by leaving a review below, or read customer reviews before you decide to use Golden Belt Bank, FSA.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.37%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Golden Belt Bank, FSA
1100 E 27th St
Hays, KS 67601
https://www.goldenbeltbank.com
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Golden Belt Bank, FSA Savings Rates

Product Rate APY View More
Personal Savings - 0.50%
Details Balance: No minimum
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 19, 2026: 0.50% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Youth Savings - 0.50%
Details Balance: No minimum
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 19, 2026: 0.50% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%

Golden Belt Bank, FSA Business Savings Rates

Product Rate APY View More
Business Statement Savings - 0.15%
Details Balance: No minimum
Last Updated 10/07/2026
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 24, 2026: 0.15% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%

Golden Belt Bank, FSA Money Market Rates

Product Rate APY View More
Money Market - 1.61%
Min Balance $500,000
Details Published APY range: 1.61% to 3.71%. Balance: $500,000.00 and up
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 1.61% APY · checked 7 times
1.11%1.61%2.11%Sep 19, 2026: 1.61% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Money Market - 1.21%
Min Balance $250,000
Details Published APY range: 1.21% to 1.61%. Balance: $250,000.00 - $499,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 1.21% APY · checked 7 times
0.71%1.21%1.71%Sep 19, 2026: 1.21% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Money Market - 0.75%
Min Balance $100,000
Details Published APY range: 0.75% to 1.21%. Balance: $100,000.00 - $249,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 19, 2026: 0.75% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Money Market - 0.50%
Min Balance $0
Details Balance: up to $49,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 19, 2026: 0.50% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Money Market - 0.50%
Min Balance $50,000
Details Published APY range: 0.50% to 0.75%. Balance: $50,000.00 - $99,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 19, 2026: 0.50% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%

Golden Belt Bank, FSA Business Money Market Rates

Product Rate APY View More
Business Money Market - 2.33%
Min Balance $1,000,000
Details Published APY range: 2.33% to 3.67%. Balance: $1,000,000.00 and up
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 2.33% APY · checked 7 times
1.83%2.33%2.83%Sep 19, 2026: 2.33% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Business Money Market - 1.61%
Min Balance $500,000
Details Published APY range: 1.61% to 2.33%. Balance: $500,000.00 - $999,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 1.61% APY · checked 7 times
1.11%1.61%2.11%Sep 19, 2026: 1.61% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Business Money Market - 1.21%
Min Balance $250,000
Details Published APY range: 1.21% to 1.61%. Balance: $250,000.00 - $499,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 1.21% APY · checked 7 times
0.71%1.21%1.71%Sep 19, 2026: 1.21% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Business Money Market - 0.75%
Min Balance $100,000
Details Published APY range: 0.75% to 1.21%. Balance: $100,000.00 - $249,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 19, 2026: 0.75% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Business Money Market - 0.50%
Min Balance $0
Details Balance: up to $49,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 19, 2026: 0.50% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Business Money Market - 0.50%
Min Balance $50,000
Details Published APY range: 0.50% to 0.75%. Balance: $50,000.00 - $99,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 19, 2026: 0.50% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%

Golden Belt Bank, FSA Checking Rates

Product Rate APY View More
Rewards Checking - 3.04%
Min Balance $0
Details Qualifications Required: Monthly statement cycle requirements; Balance: up to $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 19, 2026: 3.04% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Rewards Checking - 3.04%
Min Balance $25,000
Details Published APY range: 3.04% - 0.06%. Qualifications Required: Monthly statement cycle requirements; Balance: $25,000.00 and up
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 3.04% APY · checked 7 times
2.54%3.04%3.54%Sep 19, 2026: 3.04% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
NOW Checking - 0.10%
Min Balance $0
Details Balance: up to $2,499.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
NOW Checking - 0.10%
Min Balance $2,500
Details Published APY range: 0.10% to 0.15%. Balance: $2,500 and up
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Rewards Checking - 0.05%
Min Balance $0
Details If you do NOT meet the monthly statement cycle requirements
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%

Golden Belt Bank, FSA Business Checking Rates

Product Rate APY View More
Advantage Business Checking - 0.15%
Details Balance: No minimum
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%

Golden Belt Bank, FSA Mortgage Rates

Product Rate Points APR Term View More
5x1 ARM 7.00% - 7.342% 5x1
No additional details.
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 6.70% → 7.34% ▲ 0.65 pts · high 7.34% / low 6.70%
6.05%7.02%7.99%Sep 15, 2026: 6.70% APROct 7, 2026: 7.34% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.34%▲ from 6.70%
  • Sep 15, 20266.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
7x1 ARM 7.50% - 7.549% 7x1
No additional details.
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 6.85% → 7.55% ▲ 0.70 pts · high 7.55% / low 6.85%
6.15%7.20%8.25%Sep 15, 2026: 6.85% APROct 7, 2026: 7.55% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.55%▲ from 6.85%
  • Sep 15, 20266.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%

Golden Belt Bank, FSA Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit (HELOC) 7.25% - 7.25%
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 7.25% APR · checked 9 times
6.75%7.25%7.75%Sep 15, 2026: 7.25% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%

Golden Belt Bank, FSA Auto Loan Rates

Product Rate Points APR Term View More
Auto/Personal Loans 4.95% - 5.27% 36 months
Details As Low As
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 5.27% APR · checked 8 times
4.77%5.27%5.77%Sep 15, 2026: 5.27% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Auto/Personal Loans 5.45% - 5.65% 60 months
Details As Low As
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 5.65% APR · checked 8 times
5.15%5.65%6.15%Sep 15, 2026: 5.65% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Auto/Personal Loans 5.70% - 5.87% 72 months
Details As Low As
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 5.87% APR · checked 8 times
5.37%5.87%6.37%Sep 15, 2026: 5.87% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%

Golden Belt Bank, FSA Personal Loan Rates

Product APR Term View More
Auto/Personal Loans 5.27% 36 months
Details As Low As
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 5.27% APR · checked 8 times
4.77%5.27%5.77%Sep 15, 2026: 5.27% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Auto/Personal Loans 5.65% 60 months
Details As Low As
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 5.65% APR · checked 8 times
5.15%5.65%6.15%Sep 15, 2026: 5.65% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Auto/Personal Loans 5.87% 72 months
Details As Low As
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 5.87% APR · checked 8 times
5.37%5.87%6.37%Sep 15, 2026: 5.87% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%

Golden Belt Bank, FSA Other Rates

Product Rate Points APY/APR Term View More
15-year, fixed 7.125% - 7.179% 15-year
Last Updated 10/07/2026
Rate History
3 changes since Sep 15, 2026 · 6.43% → 7.18% ▲ 0.75 pts · high 7.18% / low 6.43%
5.68%6.81%7.93%Sep 15, 2026: 6.43% APRSep 19, 2026: 6.68% APROct 2, 2026: 7.06% APROct 7, 2026: 7.18% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.18%▲ from 7.06%
  • Oct 2, 20267.06%▲ from 6.68%
  • Sep 19, 20266.68%▲ from 6.43%
  • Sep 15, 20266.43%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
20-year, fixed 7.50% - 7.544% 20-year
Last Updated 10/07/2026
Rate History
3 changes since Sep 15, 2026 · 6.67% → 7.54% ▲ 0.87 pts · high 7.54% / low 6.67%
5.80%7.11%8.42%Sep 15, 2026: 6.67% APRSep 19, 2026: 7.05% APROct 2, 2026: 7.42% APROct 7, 2026: 7.54% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.54%▲ from 7.42%
  • Oct 2, 20267.42%▲ from 7.05%
  • Sep 19, 20267.05%▲ from 6.67%
  • Sep 15, 20266.67%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
30-year, fixed 7.75% - 7.785% 30-year
Last Updated 10/07/2026
Rate History
3 changes since Sep 15, 2026 · 6.91% → 7.79% ▲ 0.88 pts · high 7.79% / low 6.91%
6.04%7.35%8.66%Sep 15, 2026: 6.91% APRSep 19, 2026: 7.16% APROct 2, 2026: 7.66% APROct 7, 2026: 7.79% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.79%▲ from 7.66%
  • Oct 2, 20267.66%▲ from 7.16%
  • Sep 19, 20267.16%▲ from 6.91%
  • Sep 15, 20266.91%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Construction Loan 8.00% - 9.206%
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 9.21% APR · checked 9 times
8.71%9.21%9.71%Sep 15, 2026: 9.21% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Residential Lot Loan 7.75% - 7.843%
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 7.84% APR · checked 9 times
7.34%7.84%8.34%Sep 15, 2026: 7.84% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Youth Savings 3.21% - 3.25% 3 month
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 19, 2026: 3.25% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Youth Savings 3.62% - 3.65% 6 month
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 19, 2026: 3.65% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Youth Savings 3.68% - 3.70% 9 month
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 19, 2026: 3.70% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Youth Savings 3.70% - 3.75% 1 year
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 19, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Youth Savings 2.97% - 3.00% 18 month
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Youth Savings 2.72% - 2.75% 2 year
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 19, 2026: 2.75% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Youth Savings 2.72% - 2.75% 3-5 year
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 19, 2026: 2.75% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Youth Savings 2.72% - 2.75% 5-7 year
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 19, 2026: 2.75% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.37%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Golden Belt Bank, FSA’s Texas Ratio fell from 5.27% in Q3 2023 to 4.37% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 5.27% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A Q2 2024 A Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A Q3 2025 A+ Q4 2025 A+ Q1 2026 4.37% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$374M4.37%5.0A+
March 31, 2026$368M4.65%5.0A+
December 31, 2025$365M4.88%5.0A+
September 30, 2025$358M6.53%5.0A
June 30, 2025$355M5.48%5.0A+
March 31, 2025$337M3.71%5.0A+
December 31, 2024$338M4.46%5.0A+
September 30, 2024$333M6.59%5.0A
June 30, 2024$320M6.06%5.0A
March 31, 2024$311M5.60%5.0A+
December 31, 2023$310M5.25%5.0A+
September 30, 2023$304M5.27%5.0A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Golden Belt Bank, FSA is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Golden Belt Bank, FSA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Golden Belt Bank, FSA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Golden Belt Bank, FSA
Bank Holding Company MID-AMERICA FINANCIAL CORP
Address 1100 E 27th St, Hays, KS 67601  ·  Ellis
Website https://www.goldenbeltbank.com
FDIC Certificate # 28735
Established 19200101
FDIC Insurance Date 19890809
Domestic Offices 3
Total Branches 3
Regulator OCC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 98/100
5.0
Exceptional Out of 5.0 Stars
4.37%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.1530%
Return on Equity (ROE) 11.0500%
Non-Performing Loans (NPL) 0.31%
Total Assets $373,540,000
Total Deposits $285,205,000
Equity Capital $38,194,000
Net Income $2,127,000
Headquarters Hays
Total Branches and Offices 3
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

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Frequently Asked Questions About Golden Belt Bank, FSA

How many branches does Golden Belt Bank, FSA operate?

Golden Belt Bank, FSA currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Golden Belt Bank, FSA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Golden Belt Bank, FSA provides members with tools to manage their accounts and build a solid financial history.

Does Golden Belt Bank, FSA offer online and mobile banking?

Most modern institutions like Golden Belt Bank, FSA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.goldenbeltbank.com.

Current Golden Belt Bank, FSA Rates

  • Savings3.75%
  • MMA2.33%
Retrieved from our database of financial products. Rates subject to change.

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