BlastPoint's Banking Scorecard
Belmont Savings Bank, SSB
Designations: ✓ Mutual
Belmont, NC
Belmont Savings Bank, SSB has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.33% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 44.8% in tier
- - Net Interest Margin 1.25% below tier average
- - Loan-to-Deposit Ratio 45.73% above tier average
- - Non-Interest-Bearing Deposit Share 17.49% below tier average
- - Non-Interest Income / Assets 0.27% below tier average
- - ROA 0.82% below tier average
- - Efficiency Ratio 12.30% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$155.6M
+11.5% YoY
+2.9% QoQ
|
-$230.5M |
$386.1M
+0.5% YoY
|
$92.4B
+2.4% YoY
|
$6.2B
+9.1% YoY
|
16% |
| Total Loans ? |
$130.3M
+11.3% YoY
+1.9% QoQ
|
-$125.4M |
$255.7M
+1.1% YoY
|
$45.0B
+8.2% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$106.5M
+9.6% YoY
+4.1% QoQ
|
-$221.5M |
$328.0M
+0.1% YoY
|
$72.8B
+2.6% YoY
|
$4.8B
+8.2% YoY
|
Bottom 7.5% in tier |
| Return on Assets ? |
0.45%
+233.2% YoY
+132.3% QoQ
|
-0.82% |
1.27%
+12.9% YoY
|
0.99%
+29.5% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.0% in tier |
| Net Interest Margin ? |
2.68%
+17.2% YoY
+9.2% QoQ
|
-1.25% |
3.93%
+6.0% YoY
|
3.42%
+5.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 5.1% in tier |
| Efficiency Ratio ? |
77.59%
-14.0% YoY
-11.0% QoQ
|
+12.30% |
65.29%
-4.5% YoY
|
69.88%
-8.6% YoY
|
66.95%
-4.1% YoY
|
19% |
| Delinquency Rate ? |
0.56%
+117.5% YoY
+3.6% QoQ
|
-0.33% |
0.89%
+18.8% YoY
|
0.64%
+21.6% YoY
|
0.95%
+18.8% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
122.37%
+1.6% YoY
-2.1% QoQ
|
+45.73% |
76.64%
+0.8% YoY
|
79.67%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 0.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.53%
-8.8% YoY
-8.0% QoQ
|
-17.49% |
22.02%
-1.0% YoY
|
18.50%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Bottom 3.2% in tier |
| Nonperforming Asset Ratio ? |
0.47%
+117.2% YoY
+2.6% QoQ
|
-0.17% |
0.64%
+19.7% YoY
|
0.45%
+20.5% YoY
|
0.67%
+19.3% YoY
|
39% |
| Tier 1 Capital Ratio ? |
12.94%
-8.7% YoY
-4.1% QoQ
|
-2.89% |
15.83%
+1.5% YoY
|
20.13%
+3.0% YoY
|
17.06%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.01%
-10.3% YoY
-73.5% QoQ
|
-0.27% |
0.28%
+9.3% YoY
|
0.21%
+7.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 2.3% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.