Belmont Savings Bank, SSB
Total assets
$161.0M
▲ +15.8% YoY
Deposits
$111.3M
▲ +15.9% YoY
Loans
$135.1M
▲ +14.0% YoY
Offices
1
ROA (annualized)
0.45%
peers 1.24%
ROE (annualized)
3.69%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.8% | +4.4% | +11.5 pts |
| Deposit growth (YoY) | +15.9% | +4.0% | +11.9 pts |
| Loan growth (YoY) | +14.0% | +5.6% | +8.4 pts |
| ROA | 0.45% | 1.24% | -0.8 pts |
| ROE | 3.7% | 11.9% | -8.2 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
Profile
- Established
- 1915
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Mortgage Lending Specialization
- Address
- 210 Park St, Belmont, NC, 28012
- County
- Gaston
- Metro area
- Charlotte-Concord-Gastonia, NC-SC
- Offices
- 1
- FDIC cert #
- 28035
- RSSD ID
- 919773
- 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 | $161.0M | $111.3M | $135.1M | $19.4M | $354K | 0.45% | 2.72% | 0.31% |
| Q1 2026 | $155.6M | $106.5M | $130.3M | $19.1M | $172K | 0.45% | 2.68% | 0.47% |
| Q4 2025 | $151.3M | $102.3M | $127.9M | $19.0M | $274K | 0.19% | 2.45% | 0.45% |
| Q3 2025 | $145.9M | $100.7M | $121.8M | $18.7M | $122K | 0.12% | 2.41% | 0.58% |
| Q2 2025 | $139.0M | $96.1M | $118.6M | $18.5M | $129K | 0.19% | 2.39% | 0.78% |
| Q1 2025 | $139.6M | $97.1M | $117.0M | $18.6M | $46K | 0.13% | 2.29% | 0.21% |
| Q4 2024 | $133.8M | $95.7M | $113.0M | $18.5M | $-260K | -0.20% | 2.08% | 0.18% |
| Q3 2024 | $134.5M | $94.7M | $111.3M | $18.7M | $-316K | -0.33% | 2.00% | 0.18% |
Loan mix (Q2 2026): real estate $136.6M · commercial $0 · consumer $58K · securities $7.9M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 1.24% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 11.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.72% | 3.96% | 5th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.0% | 62.9% | 81th | |
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.
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