Golden Belt Bank, FSA Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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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Golden Belt Bank, FSA's savings rates are at 0.15%. Golden Belt Bank, FSA's money market rates are at 0.50%. Golden Belt Bank, FSA's 5x1 ARM rates are at 5.38%, 7x1 ARM rates are at 5.88%. 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 6.19%. Rates were last updated on 03/04/2026.
Rate Updates and AvailabilityGolden 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. Golden Belt Bank, FSA Texas RatioGolden Belt Bank, FSA's Texas Ratio is at 6.19%, which is considered excellent. The Texas Ratio for Golden Belt Bank, FSA is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
Golden Belt Bank, FSA has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Golden Belt Bank, FSA is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A
Excellent Health
Score: 97/100
Golden Belt Bank, FSA has earned an overall safety grade of A. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/04/2026 
Golden Belt Bank, FSA Savings Rates
Golden Belt Bank, FSA Money Market Rates
Golden Belt Bank, FSA Checking Rates
Golden Belt Bank, FSA Mortgage Rates
Golden Belt Bank, FSA Home Equity & HELOC
Golden Belt Bank, FSA Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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 & OverviewGolden Belt Bank, FSA
1100 E 27th StHays, KS 67601 Ellis Established Date: 01/01/1920 FDIC Certificate #: 28735 Date of FDIC Deposit Insurance: 08/09/1989 Bank Holding Company: MID-AMERICA FINANCIAL CORP How Many Domestic U.S. Offices? 3 How Many Branches are There? 3 Website: https://www.goldenbeltbank.com
Is Golden Belt Bank, FSA FDIC Insured? Yes
What is Golden Belt Bank, FSA's Cert number? 28735
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A (97/100)
Texas Ratio:
6.19%
Return on Assets (ROA):
1.1964%
Return on Equity (ROE):
11.8600%
Non-Performing Loans (NPL):
0.51%
Total Assets:
$365,240,000
Total Deposits:
$282,591,000
Equity Capital:
$40,268,000
Net Income:
$4,989,000
Headquarters:
Hays
Regulator:
OCC
# of Offices:
3
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Golden Belt Bank, FSAHow do I open an account at Golden Belt Bank, FSA?You can typically open an account at Golden Belt Bank, FSA by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Golden Belt Bank, FSA provides a range of mortgage and home equity products. Is Golden Belt Bank, FSA a safe place to deposit money?Yes, Golden Belt Bank, FSA is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Golden Belt Bank, FSA offer online and mobile banking?Most modern institutions like Golden Belt Bank, FSA provide digital access including online balance checks and transfers. Compare to other Banks |
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