Golden Belt Bank

What Golden Belt Bank does

Golden Belt Bank is a privately held, state-chartered community savings and loan founded on January 20, 1920, in Ellis, Kansas, and headquartered at 1101 E. 27th St., Hays, Kansas. It operates three branches across two states — Ellis (KS), Hays (KS), and Fort Morgan (CO) — and reports approximately $350M in total assets while servicing nearly $200M in home loans. The bank serves individual consumers, small to mid-size businesses, and agricultural operations in rural Ellis County (KS) and Morgan County (CO), with a workforce in the 11–50 range.

The product set spans personal banking (Everyday Checking, Rewards Checking earning up to 3.04% APY, NOW Checking, savings, money market, CDs, IRAs, debit and Visa credit cards issued through Bankers' Bank of Kansas), consumer and mortgage lending (fixed and ARM mortgages, USDA Rural Development, Fannie Mae HomeReady, construction, lot, HELOC, home equity, auto, and personal loans), and business banking (Basic, Essential, and Advantage business checking, business money market, ACH and wire services, Positive Pay, business credit and debit cards, and merchant services through Evolv with Autobooks invoicing embedded in business online banking). Digital delivery runs through a web banking platform, the GBB native mobile app on iOS and Android (with mobile check deposit, card control, Quick Balance, e-statements, Credit Compass via TransUnion, and a Money Management budgeting tool), and SMS text banking on short code 454545. Loan applications are processed through a Wolters Kluwer-powered online application and document upload portal. A wholly-owned subsidiary, Western Plains Service Corporation, develops residential lots in Ellis County and Victoria, KS, including a partnership with the City of Victoria and USD 432 on the Knights Addition project.

The revenue model is dominated by net interest income on the loan portfolio (mortgages, home equity, HELOC, auto, personal, agriculture operating lines, livestock, machinery, farmland, and commercial real estate) and investment securities, supplemented by transaction-based income from deposit service charges, wire transfer fees, credit card interchange, loan origination and late-payment fees, and merchant services residuals. The go-to-market is a hybrid of relationship-based, sales-led branch banking and direct-to-consumer digital channels, supported by community-engagement marketing (educational content via The Bookshelf, social media, a $1,000 scholarship program across both branch markets, and a KBA summer internship pipeline). No external investors, parent company, funding rounds, or M&A activity are disclosed.

Name

Golden Belt Bank

Legal name

Golden Belt Bank

Website

https://goldenbeltbank.com

Company type

Private

Founded year

1920

Operating status

Operating

Headcount range

11–50 employees

Short description

Golden Belt Bank is a privately held Kansas-chartered community bank, founded in 1920, operating three branches in Ellis and Hays (KS) and Fort Morgan (CO) and serving individual consumers, small to mid-size businesses, and agricultural operations with deposits, lending, and digital banking.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Savings Institutions, Not Federally Chartered (6036), State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

Keywords

• Community banking services
• Consumer deposit accounts
• Mortgage and consumer lending
• Agricultural lending
• Small business banking

Headquarters

HQ city

Hays

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Primary revenue stream from interest earned on loans including mortgages, home equity loans, HELOCs, auto loans, personal loans, agriculture loans, and commercial real estate loans. Also interest earned on investment securities.
2. Deposit Account Fees: Monthly service charges on checking and savings accounts when minimum balance requirements are not met. Transaction fees for exceeding free transaction limits on business accounts.
3. Wire Transfer Fees: Fees for domestic and international wire transfers. Cutoff times: 4:00 pm CT for domestic, 2:00 pm CT for international.
4. Credit Card Income: Income from credit card transactions including interchange fees on Rewards Visa Platinum and Visa Classic cards issued through Bankers' Bank of Kansas.
5. Loan Servicing Fees: Fees from loan servicing activities including late payment fees, loan origination fees, and convenience fees for online payments ($4.95 per debit card/ACH payment).

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Golden Belt Bank is a privately held community bank that delivers personal and business banking products through three branches in Kansas and Colorado and a digital banking suite (online, mobile, and text). Core offerings include checking and savings accounts, certificates of deposit and IRAs, debit and credit cards, consumer and mortgage loans, agricultural and commercial lending, and ancillary services such as merchant card processing, ACH, wire transfers, and credit monitoring. Distribution is relationship-led locally, augmented by self-serve digital channels and proprietary tools for credit monitoring and small-business invoicing.

Product overview

Golden Belt Bank is a state-chartered community bank headquartered in Ellis, Kansas, offering a comprehensive suite of banking products through a single unified platform. The bank's portfolio includes personal banking (checking, savings, credit cards, debit cards), mortgage and consumer lending (including HELOC and home equity products), and business banking services (deposits, commercial lending, merchant services). Digital banking is delivered through online banking and native mobile apps (GBB) featuring sub-products like Credit Compass, Money Management, Mobile Check Deposit, Text Banking, Bill Pay, Card Control, and Quick Balance. Business services include integrated tools such as Evolv merchant services, Autobooks invoicing, ACH services, wire transfers, and Positive Pay fraud protection. Specialized offerings include Open Door home loan programs (USDA, HomeReady), agriculture loans, and Western Plains land development subsidiary.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Online and Mobile Banking (GBB) Web-based online banking platform (online.goldenbeltbank.com) and the native GBB mobile app (iOS and Android) providing secure account access, transfers, bill pay, mobile check deposit, card controls, Credit Compass credit monitoring, Money Management budgeting, text banking via short code 454545, and e-statements. Designed for individual customers managing checking, savings, loans, and credit cards.
• Personal Checking Accounts Personal checking account lineup including Everyday Checking (no minimum balance, instant-issue debit card, online/mobile banking and bill pay), Rewards Checking (up to 3.04% APY on balances above $25,000 when 10 debit card transactions, e-statements, and 1 ACH credit monthly are met; 0.05% APY if requirements not met), and NOW Checking with interest-bearing features.
• Personal Savings, Money Market, CDs, and IRAs Savings products including Personal Savings (0.50% APY), Youth Savings, Money Market accounts, Certificates of Deposit (3-month to 7-year terms ranging from 2.75% to 3.75% APY), Individual Retirement Accounts (IRAs), and CDARS for multi-million dollar FDIC protection, plus overdraft protection linking checking to savings or money market. Aimed at personal savers, retirees, and CD investors.
• Personal Credit Cards Visa credit cards including Rewards Visa Platinum (unlimited points with no annual fee) and Visa Classic, issued and serviced through Bankers' Bank of Kansas pursuant to a Visa USA license. Targeted at personal credit users seeking rewards or straightforward revolving credit.
• Personal Debit Cards EMV smart chip-enabled debit cards with Apple Pay, Google Pay, and Samsung Pay mobile wallet support, instant issuance at branches, and customizable card controls (on/off, spending limits, alerts) through online and mobile banking. Issued to personal checking account holders.
• Residential Mortgage Loans Home purchase and refinance mortgage products including fixed-rate mortgages (15, 20, and 30-year terms at 6.000%, 6.375%, and 6.625% rate / 6.055%, 6.419%, 6.659% APR respectively), 5/1 ARM at 5.875% rate / 6.525% APR, construction-to-permanent loans, and residential lot loans. Sold to prospective homebuyers with local servicing for the life of the loan.
• HELOC and Home Equity Loans Home equity borrowing products including Home Equity Line of Credit at 7.250% variable rate and fixed-rate home equity loans allowing homeowners to access accumulated equity for home improvements or other needs. Available to homeowners in the bank's service area.
• Auto and Personal Loans Vehicle and personal financing with terms up to 72 months at competitive rates (e.g., 5.40% / 5.66% APR for 36 months, 6.15% / 6.29% APR for 72 months), secured by vehicles, RVs, campers, boats, or other collateral. Targeted at consumers purchasing personal-use assets or needing personal credit.
• Open Door Home Loan Programs Low down payment mortgage programs for low-to-moderate-income households: USDA Rural Development Single Family Housing Guaranteed loans (100% financing) and Fannie Mae HomeReady (as little as 3% down), plus annual homebuyer grants providing down payment and closing cost assistance on a first-come, first-served basis each March. Targeted at first-time and creditworthy low-income buyers in USDA-eligible rural areas.
• Business Deposit Accounts Business banking deposit lineup including Basic Business Checking ($500 minimum opening deposit, $10 monthly service charge waived with $500 minimum daily balance, 50 free transactions), Essential Business Checking, Advantage Business Checking (interest-bearing, $1,500 minimum opening deposit), Business Money Market (tiered APY up to 3.67% for balances of $1M+), and Business Savings. Targeted at local small and mid-size businesses, farms, and ranches.
• Business Online Banking Commercial banking web platform with secure multi-user account access, ACH origination, wire transfer initiation, Positive Pay check fraud protection, and integrated add-on services such as Autobooks invoicing and Merchant Services through Evolv. Designed for small and mid-size businesses managing cash flow and payments online.
• Commercial and Real Estate Business Loans Business lending products including commercial real estate loans (fixed and ARM terms up to 30 years), construction loans, rental and investment property financing, operating lines of credit, equipment financing, and SBA-eligible loan programs. Underwriting is performed locally by Golden Belt Bank loan officers. Targeted at local small and mid-size businesses across the bank's service area.
• Agriculture Loans Specialized lending for farmers and ranchers including operating lines of credit, livestock loans, machinery and equipment loans (typically 7-year terms), and farmland purchases. Offered in partnership with USDA programs including loans for beginner farmers. Targeted at farming and ranching operations in Ellis County (KS) and Morgan County (CO).
• Merchant Services via Evolv Credit card processing and payment acceptance solutions provided through Evolv merchant services, including buyer's choice configuration, countertop and smart terminals, point-of-sale systems, mobile payments, eCommerce solutions, and digital marketing tools. Offered to local businesses of all sizes needing payment acceptance.
• Autobooks Invoicing and Payments Integrated invoicing and online payment collection tool embedded in business online banking, enabling small businesses to create invoices, accept card and ACH payments, and reconcile receivables within their banking platform. Targeted at small businesses seeking streamlined accounts receivable.
• ACH and Wire Transfer Services Electronic payment services for businesses including ACH origination for recurring receivables and direct deposit payroll, plus domestic (4:00 pm CT cutoff) and international (2:00 pm CT cutoff) wire transfers with same-day availability. Targeted at businesses moving funds domestically and internationally.
• Visa Business Debit Card and Business Credit Card Business debit cards for direct payments from business checking accounts (with fraud protection, spending alerts, and instant branch issuance) and Visa business credit cards earning unlimited reward points (cash back, travel, gift cards) managed through Bankers' Bank of Kansas eZBusiness tools. Targeted at small and mid-size business owners.
• Positive Pay Check Fraud Protection Fraud mitigation service that compares checks issued by a business against those presented for payment to flag unauthorized items. Integrated with business online banking and intended for businesses concerned with check fraud risk.
• CDARS Multi-Million Dollar FDIC Coverage Certificate of Deposit Account Registry Service through IntraFi Network that places deposits across multiple banks to provide FDIC coverage exceeding the standard $250,000 limit while keeping funds local for community lending. Targeted at personal and business customers with deposits above standard FDIC limits.
• Western Plains Service Corporation Lot Development Land development services for residential and commercial lots in Ellis County (KS) and Victoria (KS), wholly owned subsidiary supporting community growth and feeding the bank's mortgage pipeline. Lot sales coordinated through Golden Belt Bank loan officers.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• EvolvcoreTechnology or IntegrationPartnership providing credit card processing solutions through Evolv's merchant services. Includes buyer's choice configuration, countertop and smart terminals, point-of-sale systems, mobile payments, eCommerce solutions, and digital marketing for businesses of all sizes.
• Bankers' Bank of KansascoreTechnology or IntegrationIssues and services Visa credit cards (Rewards Visa Platinum and Visa Classic) for Golden Belt Bank customers pursuant to Visa USA license. Provides business credit cards with management and reporting tools through eZBusiness platform.
• Main StreetminorChannel Partner/ Reseller/ DistributorPartnership for check ordering providing wide selection of check designs, competitive pricing, and fast shipping. Replaced previous provider Harland Clarke.
• Kansas Bankers Association (KBA)minorStrategic or Co-development PartnerPartnership through KBA's Internship Connection Program connecting in-state college students with banks for paid summer internship opportunities to learn about community banking.
• United States Department of Agriculture (USDA) Rural DevelopmentcoreTechnology or IntegrationApproved lender for Single Family Housing Guaranteed loans backed by USDA Rural Development. Enables 100% financing for low-to-moderate income households in eligible rural areas.
• Fannie Mae (HomeReady)coreTechnology or IntegrationOffers HomeReady mortgage program with low down payment (as little as 3%) and expanded financing flexibility for creditworthy low-income borrowers, both first-time and repeat buyers.
• City of Victoria and USD 432minorStrategic or Co-development PartnerPartnership with City of Victoria and USD 432 school district for Knights Addition land development project, converting former golf course into residential lots. City provides no special assessments on lots and Neighborhood Revitalization Plan benefits.
• Wolters KluwercoreTechnology or IntegrationProvides online loan application platform for mortgage applications, HELOC applications, and document uploads for loan processing.

Scale indicators4 records

Recent moves11 records

Expansion highlights6 records

Broad incumbents

• INTRUST Bank: Major Kansas-based commercial and consumer bank offering full-service banking across multiple cities. Larger and more diversified than Golden Belt Bank but operates in overlapping Kansas markets with similar product set including ag lending.
• Glacier Bancorp: Multi-state community bank holding company with banks across the Mountain West and Plains states, including Colorado. Operates a similar community banking model but at materially greater scale and diversification.
• Sunflower Bank: Kansas-headquartered community/commercial bank with much larger footprint across multiple states. Offers similar deposit and lending products but at materially greater scale, making it the most logical broad incumbent comparable in the Kansas community banking space.
• TBK Bank (Home State Bank): Multi-state community bank with presence in Kansas and Colorado rural markets. Larger and more diversified than Golden Belt Bank but offers similar community banking, ag lending, and mortgage products in overlapping geographies.

Direct peers

• Emprise Bank: Wichita-based Kansas community bank with multi-generational history, full-service personal and business banking, and a community focus. Comparable operating model and geographic anchoring in Kansas.
• Equity Bank: Kansas and Missouri-headquartered community bank with comparable asset size band and full-service personal, business, and agricultural banking. Closely matches Golden Belt Bank's community banking model and customer focus.
• Bennington State Bank: Small Kansas state-chartered community bank serving similar rural markets in north-central Kansas with comparable deposit, consumer lending, and agricultural loan products. Highly comparable footprint, asset size band, and customer base to Golden Belt Bank.
• Great Plains State Bank: Small Plains-states community bank with a similar mix of personal, ag, and small business banking. Comparable asset size and rural market focus to Golden Belt Bank.
• First Bank (Hutchinson, KS): Kansas community bank of similar scale serving retail, business, and agricultural customers. Provides highly comparable product set and target customer profile to Golden Belt Bank.

Regional players

• Bank of Colorado: Colorado-focused commercial bank operating in the Fort Morgan region where Golden Belt Bank has its CO branch. Provides overlapping products (deposits, mortgages, ag lending) but serves broader Colorado geography.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@goldenbeltbank
• Facebookfacebook.com/GoldenBeltBank
• LinkedInlinkedin.com/company/golden-belt-bank
• Instagraminstagram.com/goldenbeltbank
• Xx.com/goldenbeltbank

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Golden Belt Bank