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Belmont Savings Bank, SSB

$100M-$1B Specialty: Mortgage NC FDIC cert 28035

Designations: ✓ Mutual

Belmont, NC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 17 in NC.
  • Deposits +15.9% year over year ($111.3M on the books).
  • Delinquency rate 0.37%.
  • Return on assets 0.45%.
  • Efficiency ratio 76.98% vs a 64.48% peer average.
  • Loan-to-deposit ratio 121.37% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 17 in NC
View $100M-$1B leaderboard (NC) →

Belmont Savings Bank, SSB has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 1.27% below tier average
  • - Loan-to-Deposit Ratio 43.42% above tier average
  • - Non-Interest-Bearing Deposit Share 17.18% below tier average
  • - Non-Interest Income / Assets 0.54% below tier average
  • - ROA 0.87% below tier average
  • - Efficiency Ratio 12.50% above tier average
Get updates when Belmont Savings Bank, SSB releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Total Assets ? $161.0M
+15.8% YoY +3.5% QoQ
-$225.5M $386.6M
+1.2% YoY
$92.1B
+0.4% YoY
$6.3B
+7.7% YoY
17%
Total Loans ? $135.1M
+14.0% YoY +3.7% QoQ
-$123.2M $258.3M
+1.7% YoY
$45.3B
+5.8% YoY
$3.2B
+9.4% YoY
30%
Total Deposits ? $111.3M
+15.9% YoY +4.6% QoQ
-$215.4M $326.7M
+0.7% YoY
$72.9B
+1.1% YoY
$4.9B
+7.3% YoY
Bottom 9.0% in tier
Return on Assets ? 0.45%
+141.9% YoY +1.2% QoQ
-0.87% 1.32%
+10.8% YoY
1.06%
+26.4% YoY
1.30%
+12.1% YoY
Bottom 11.2% in tier
Net Interest Margin ? 2.72%
+13.7% YoY +1.4% QoQ
-1.27% 3.99%
+5.0% YoY
3.48%
+5.1% YoY
3.95%
+4.9% YoY
Bottom 5.1% in tier
Efficiency Ratio ? 76.98%
-11.7% YoY -0.8% QoQ
+12.50% 64.48%
-3.2% YoY
69.25%
-8.2% YoY
70.05%
+2.5% YoY
17%
Delinquency Rate ? 0.37%
-59.4% YoY -32.9% QoQ
-0.55% 0.92%
+15.7% YoY
0.62%
+17.0% YoY
0.98%
+16.3% YoY
53%
Loan-to-Deposit Ratio ? 121.37%
-1.7% YoY -0.8% QoQ
+43.42% 77.95%
+1.0% YoY
80.66%
+1.6% YoY
79.03%
+2.3% YoY
Bottom 1.0% in tier
Non-Interest-Bearing Deposit Share ? 4.85%
-13.7% YoY +7.0% QoQ
-17.18% 22.03%
-0.6% YoY
18.90%
+1.9% YoY
21.98%
-0.6% YoY
Bottom 3.6% in tier
Nonperforming Asset Ratio ? 0.31%
-60.0% YoY -32.7% QoQ
-0.36% 0.67%
+16.4% YoY
0.44%
+14.6% YoY
0.69%
+15.8% YoY
51%
Tier 1 Capital Ratio ? 12.88%
-9.9% YoY -0.5% QoQ
-3.02% 15.91%
+1.4% YoY
20.01%
+3.4% YoY
17.09%
+0.8% YoY
46%
Non-Interest Income / Assets ? 0.03%
-4.6% YoY +93.2% QoQ
-0.54% 0.57%
+7.6% YoY
0.43%
+2.6% YoY
0.66%
+5.2% YoY
Bottom 2.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Noninterest-Bearing 4.9%
-0.8pp YoY
+0.3pp QoQ
 -17.3pp 22.1% 21.8% 22.2% 3%
Brokered Deposits 13.4%
+6.8pp YoY
+3.2pp QoQ
 +5.5pp 7.9% 7.7% 8.5% 83%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
C&I n/a n/a 11.6% 10.5% 12.5% n/a
CRE 16.1%
+2.1pp YoY
-0.8pp QoQ
 -23.5pp 39.5% 46.3% 41.4% 12%
1-4 Family 85.0%
-2.0pp YoY
+0.8pp QoQ
 +52.3pp 32.6% 44.2% 31.3% 98%
Consumer 0.0%
-0.2pp YoY
0.0pp QoQ
 -4.1pp 4.1% 1.6% 5.0% 3%

Capital

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.8% 19.7% n/a
Leverage Ratio 12.9%
-1.4pp YoY
-0.1pp QoQ
 +0.7pp 12.2% 14.4% 12.6% 74%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Full-Time Employees 12
+1 (+9.1%) YoY
0 QoQ
 -47 58 5,103 482 2%
Assets per Employee ($) $13.4M
+6.2% YoY
+3.5% QoQ
 +$5.9M $7.5M $9.4M $8.8M 95%
Branch Count 1
0 YoY
0 QoQ
 -4 4 170 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.4%
-0.5pp YoY
-0.2pp QoQ
 -0.6pp 0.9% 0.7% 1.0% 45%
Allowance Coverage 0.95x
+131.0% YoY
+46.7% QoQ
 -23.20x 24.15x 3.36x 20.23x 25%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
ROE 3.7%
+2.3pp YoY
+0.1pp QoQ
 -8.5pp 12.2% 8.7% 11.6% 10%
Cost of Funds (YTD) 2.7%
-0.1pp YoY
0.0pp QoQ
 +1.0pp 1.7% 1.8% 1.7% 94%
Net Income ($, YTD) $354,000
+174.4% YoY
— QoQ
 -$2.2M $2.6M $518.0M $40.4M 8%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

2617
Loan-to-Deposit Ratio
liquidity
Value: 121.37%
Peer Median: 77.95%
#2617 of 2643 Bottom 1.0% in $100M-$1B
2585
Non-Interest Income / Assets
revenue_mix
Value: 0.03%
Peer Median: 0.57%
#2585 of 2643 Bottom 2.2% in $100M-$1B
2550
Non-Interest-Bearing Deposit Share
funding
Value: 4.85%
Peer Median: 22.03%
#2550 of 2643 Bottom 3.6% in $100M-$1B
2510
Net Interest Margin
profitability
Value: 2.72%
Peer Median: 3.99%
#2510 of 2643 Bottom 5.1% in $100M-$1B
2407
Total Deposits
size
Value: $111.34M
Peer Median: $326.73M
#2407 of 2643 Bottom 9.0% in $100M-$1B
2348
Return on Assets
profitability
Value: 0.45%
Peer Median: 1.32%
#2348 of 2643 Bottom 11.2% in $100M-$1B
2186
Total Assets
size
Value: $161.05M
Peer Median: $386.57M
#2186 of 2643 Bottom 17.3% in $100M-$1B
2182
Efficiency Ratio
profitability
Value: 76.98%
Peer Median: 64.48%
#2182 of 2643 Bottom 17.5% in $100M-$1B
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