This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Hays, KS
Health score
77.8
Total assets
$373.5M
Bank
Beloit, KS
Health score
79.5
Total assets
$381.4M
Answer first
Golden Belt Bank, FSA leads on profitability and lending quality and growth; Guaranty State Bank and Trust Company leads on financial health and capitalization. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Guaranty State Bank and Trust Company
Higher TFS health score
Capitalization
Guaranty State Bank and Trust Company
Higher comparable capital ratio
Profitability
Golden Belt Bank, FSA
Higher return on assets
Lending quality
Golden Belt Bank, FSA
Lower problem-loan measure
Growth
Golden Belt Bank, FSA
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Golden Belt Bank, FSA | Guaranty State Bank and Trust Company |
|---|---|---|
| TFS health score | 77.8/100 | 79.5/100Leads |
| Total assets | $373.5M | $381.4M |
| Total deposits / shares | $285.2M | $324.6M |
| Tier 1 capital ratio | 10.07% | 11.60%Leads |
| Return on assets | 1.15%Leads | 1.05% |
| Return on equity | 11.05%Leads |
Golden Belt Bank, FSA
3 branches
Guaranty State Bank and Trust Company
9 branches
Both institutions report branches in 1 state: KS.
Golden Belt Bank, FSA
Unavailable
Guaranty State Bank and Trust Company
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Golden Belt Bank, FSA
0 in TFS registry
Guaranty State Bank and Trust Company
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Golden Belt Bank, FSA score | Golden Belt Bank, FSA ROA | Guaranty State Bank and Trust Company score | Guaranty State Bank and Trust Company ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.25% | — | 0.76% |
| 2024-Q4 | — | 1.19% | — | 0.74% |
| 2025-Q1 | — | 1.26% | — | 1.01% |
| 2025-Q2 | — | 1.37% | — | 1.19% |
| 2025-Q3 | — | 1.39% | — | 1.05% |
| 2025-Q4 | — | 1.42% | — | 0.94% |
| 2026-Q1 | 77.2/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 10.45% |
| Non-performing loans | 0.41%Leads | 0.60% |
| Net charge-offs | -0.00% | -0.01%Leads |
| Efficiency ratio | 59.00%Leads | 63.06% |
| Loan-to-deposit ratio | 97.38% | 78.96% |
| Asset growth (YoY) | 5.25%Leads | 1.73% |
| Deposit / share growth (YoY) | 1.57% | 4.78%Leads |
| Branches | 3 | 9 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 0.94% |
| 81.7/100 |
| 1.28% |
| 2026-Q2 | 77.8/100 | 1.15% | 79.5/100 | 1.05% |