Belmont Savings Bank
Total assets
$612.9M
▲ +13.1% YoY
Deposits
$496.7M
▲ +14.4% YoY
Loans
$370.6M
▲ +6.7% YoY
Offices
4
ROA (annualized)
0.36%
peers 1.28%
ROE (annualized)
3.35%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Belmont Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.1% | +4.9% | +8.1 pts |
| Deposit growth (YoY) | +14.4% | +4.3% | +10.1 pts |
| Loan growth (YoY) | +6.7% | +5.3% | +1.4 pts |
| ROA | 0.36% | 1.28% | -0.9 pts |
| ROE | 3.4% | 12.4% | -9.1 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
Profile
- Established
- 1886
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- All Other Under 1 Billion
- Address
- 426 34th Street, Bellaire, OH, 43906
- County
- Belmont
- Metro area
- Wheeling, WV-OH
- Offices
- 4
- FDIC cert #
- 28348
- RSSD ID
- 72678
- 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 | $612.9M | $496.7M | $370.6M | $65.7M | $1.1M | 0.36% | 2.30% | 1.02% |
| Q1 2026 | $592.9M | $479.9M | $363.0M | $63.9M | $439K | 0.30% | 2.26% | 1.26% |
| Q4 2025 | $583.4M | $469.5M | $358.7M | $64.6M | $1.2M | 0.22% | 2.36% | 1.01% |
| Q3 2025 | $552.8M | $440.4M | $353.2M | $64.2M | $1.6M | 0.40% | 2.36% | 0.97% |
| Q2 2025 | $542.2M | $434.1M | $347.1M | $59.7M | $909K | 0.34% | 2.32% | 0.93% |
| Q1 2025 | $527.6M | $419.5M | $330.5M | $60.7M | $335K | 0.26% | 2.26% | 0.67% |
| Q4 2024 | $515.6M | $383.5M | $314.1M | $58.8M | $1.6M | 0.32% | 2.21% | 0.67% |
| Q3 2024 | $519.2M | $362.8M | $305.5M | $64.0M | $1.3M | 0.34% | 2.21% | 0.57% |
Loan mix (Q2 2026): real estate $321.6M · commercial $30.6M · consumer $16.3M · securities $135.6M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Belmont Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 1.28% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 12.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.30% | 3.89% | 2th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.9% | 61.2% | 87th | |
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 | Belmont Savings Bank | 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 | Belmont Savings Bank | 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 | Belmont Savings Bank | 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 | Belmont Savings Bank | 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.
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