Belmont Bank & Trust Company
Total assets
$1.05B
▲ +9.0% YoY
Deposits
$925.1M
▲ +9.5% YoY
Loans
$742.9M
▲ +2.3% YoY
Offices
5
BELMONT FINANCIAL GROUP INC
ROA (annualized)
1.41%
peers 1.26%
ROE (annualized)
13.30%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +5.5% | +3.5 pts |
| Deposit growth (YoY) | +9.6% | +5.1% | +4.5 pts |
| Loan growth (YoY) | +2.3% | +5.9% | -3.6 pts |
| ROA | 1.41% | 1.26% | +0.2 pts |
| ROE | 13.3% | 12.2% | +1.1 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
Profile
- Established
- 2006
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- BELMONT FINANCIAL GROUP INC
- Specialization
- Commercial Lending Specialization
- Address
- 8250 W Belmont Ave, Chicago, IL, 60634
- County
- Cook
- Metro area
- Chicago-Naperville-Elgin, IL-IN-WI
- Offices
- 5
- FDIC cert #
- 58165
- RSSD ID
- 3391718
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.05B | $925.1M | $742.9M | $113.6M | $7.3M | 1.41% | 4.04% | 0.30% |
| Q1 2026 | $1.03B | $904.7M | $715.0M | $109.2M | $3.7M | 1.44% | 3.99% | 0.78% |
| Q4 2025 | $1.02B | $895.6M | $734.6M | $106.8M | $14.0M | 1.43% | 4.05% | 0.40% |
| Q3 2025 | $993.6M | $872.5M | $738.7M | $107.9M | $10.1M | 1.39% | 4.00% | 0.23% |
| Q2 2025 | $963.8M | $844.5M | $726.3M | $110.1M | $6.6M | 1.37% | 3.93% | 0.12% |
| Q1 2025 | $977.8M | $862.2M | $727.9M | $105.6M | $3.2M | 1.35% | 3.90% | 0.08% |
| Q4 2024 | $940.5M | $830.1M | $706.3M | $100.7M | $11.5M | 1.24% | 3.69% | 0.02% |
| Q3 2024 | $937.4M | $806.2M | $707.9M | $111.5M | $8.5M | 1.23% | 3.64% | 0.32% |
Loan mix (Q2 2026): real estate $526.5M · commercial $221.4M · consumer $223K · securities $150.9M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.26% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 12.2% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.70% | 71th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.0% | 59.0% | 26th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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