BlastPoint's Banking Scorecard

Belmont Savings Bank

$100M-$1B Specialty: Other OH FDIC cert 28348

Designations: ✓ Mutual

Bellaire, OH

4 branches across OH

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 96 in OH.
Deposits +14.4% year over year ($496.7M on the books).
Delinquency rate 1.68%.
Return on assets 0.36%.
Efficiency ratio 77.93% vs a 64.48% peer average.
Loan-to-deposit ratio 74.61% 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 96 in OH

View $100M-$1B leaderboard (OH) →

Belmont Savings Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 38.7% in tier
- Return on Assets 0.96% below tier average
- Net Interest Margin 1.69% below tier average
- Non-Interest-Bearing Deposit Share 15.55% below tier average
- Efficiency Ratio 13.45% above tier average

Get updates when Belmont Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$612.9M +13.1% YoY +3.4% QoQ	+$226.4M	$386.6M +1.2% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	81%
Total Loans ?	$370.6M +6.7% YoY +2.1% QoQ	+$112.2M	$258.3M +1.7% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	76%
Total Deposits ?	$496.7M +14.4% YoY +3.5% QoQ	+$169.9M	$326.7M +0.7% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	79%
Return on Assets ?	0.36% +5.6% YoY +21.6% QoQ	-0.96%	1.32% +10.8% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	Bottom 8.8% in tier
Net Interest Margin ?	2.30% -0.8% YoY +1.7% QoQ	-1.69%	3.99% +5.0% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	Bottom 1.9% in tier
Efficiency Ratio ?	77.93% -1.1% YoY -0.5% QoQ	+13.45%	64.48% -3.2% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	16%
Delinquency Rate ?	1.68% +19.0% YoY -6.7% QoQ	+0.76%	0.92% +15.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	16%
Loan-to-Deposit Ratio ?	74.61% -6.7% YoY -1.4% QoQ	-3.35%	77.95% +1.0% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	61%
Non-Interest-Bearing Deposit Share ?	6.48% +52.0% YoY +35.7% QoQ	-15.55%	22.03% -0.6% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	Bottom 5.3% in tier
Nonperforming Asset Ratio ?	1.02% +9.0% YoY -19.1% QoQ	+0.35%	0.67% +16.4% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	20%
Tier 1 Capital Ratio ?	13.63% -13.0% YoY -5.0% QoQ	-2.28%	15.91% +1.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	54%
Non-Interest Income / Assets ?	0.09% -17.5% YoY +75.0% QoQ	-0.47%	0.57% +7.6% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	16%

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 (OH)	National Avg	Tier Percentile
Noninterest-Bearing	6.5% +2.2pp YoY +1.7pp QoQ	-15.7pp	22.1%	18.8%	22.2%	5%
Brokered Deposits	9.9% -6.4pp YoY -1.4pp QoQ	+2.0pp	7.9%	7.7%	8.5%	75%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	8.3% +0.2pp YoY -0.1pp QoQ	-3.3pp	11.6%	10.2%	12.5%	42%
CRE	23.7% -1.6pp YoY -0.1pp QoQ	-15.9pp	39.5%	34.2%	41.4%	24%
1-4 Family	63.1% +2.8pp YoY +1.0pp QoQ	+30.5pp	32.6%	50.0%	31.3%	92%
Consumer	4.4% -2.1pp YoY -0.4pp QoQ	+0.3pp	4.1%	4.7%	5.0%	73%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.1%	19.7%	n/a
Leverage Ratio	13.6% -2.0pp YoY -0.7pp QoQ	+1.5pp	12.2%	12.9%	12.6%	80%
Total Capital Ratio	n/a	n/a	19.9%	23.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	54 +1 (+1.9%) YoY +1 (+1.9%) QoQ	-5	58	2,433	482	57%
Assets per Employee ($)	$11.4M +11.0% YoY +1.5% QoQ	+$3.8M	$7.5M	$7.6M	$8.8M	91%
Branch Count	4 0 YoY 0 QoQ	-1	4	81	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	1.7% +0.3pp YoY -0.1pp QoQ	+0.7pp	0.9%	0.6%	1.0%	84%
Allowance Coverage	0.52x -7.0% YoY +5.4% QoQ	-23.63x	24.15x	18.95x	20.23x	10%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	52%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	3.4% +0.3pp YoY +0.6pp QoQ	-8.8pp	12.2%	9.7%	11.6%	9%
Cost of Funds (YTD)	2.6% 0.0pp YoY 0.0pp QoQ	+0.9pp	1.7%	1.7%	1.7%	92%
Net Income ($, YTD)	$1.1M +19.1% YoY — QoQ	-$1.5M	$2.6M	$259.3M	$40.4M	29%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

Credit Risk Growth

risk

#363 of 936 • Bottom 38.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

493

Total Assets

size

Value: $612.93M

Peer Median: $386.57M

#493 of 2643 Top 18.6% in $100M-$1B

545

Total Deposits

size

Value: $496.68M

Peer Median: $326.73M

#545 of 2643 Top 20.6% in $100M-$1B

632

Total Loans

size

Value: $370.56M

Peer Median: $258.35M

#632 of 2643 Top 23.9% in $100M-$1B

Top Weaknesses (7 metrics)

2593

Net Interest Margin

profitability

Value: 2.30%

Peer Median: 3.99%

#2593 of 2643 Bottom 1.9% in $100M-$1B

2505

Non-Interest-Bearing Deposit Share

funding

Value: 6.48%

Peer Median: 22.03%

#2505 of 2643 Bottom 5.3% in $100M-$1B

2411

Return on Assets

profitability

Value: 0.36%

Peer Median: 1.32%

#2411 of 2643 Bottom 8.8% in $100M-$1B

2215

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.57%

#2215 of 2643 Bottom 16.2% in $100M-$1B

2214

Efficiency Ratio

profitability

Value: 77.93%

Peer Median: 64.48%

#2214 of 2643 Bottom 16.3% in $100M-$1B

2201

Delinquency Rate

credit_quality

Value: 1.68%

Peer Median: 0.92%

#2201 of 2633 Bottom 16.4% in $100M-$1B

2118

Nonperforming Asset Ratio

credit_quality

Value: 1.02%

Peer Median: 0.67%

#2118 of 2643 Bottom 19.9% in $100M-$1B