BlastPoint's Banking Scorecard

Belmont Savings Bank

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

Designations: ✓ Mutual

Bellaire, OH

4 branches across OH

2664 banks in the $100M-$1B peer group nationally 98 in 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

- Return on Assets 0.97% below tier average
- Net Interest Margin 1.67% below tier average
- Non-Interest-Bearing Deposit Share 17.24% below tier average
- Efficiency Ratio 13.03% above tier average
- Delinquency Rate 0.92% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$592.9M +12.4% YoY +1.6% QoQ	+$206.8M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	80%
Total Loans ?	$363.0M +9.8% YoY +1.2% QoQ	+$107.3M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	76%
Total Deposits ?	$479.9M +14.4% YoY +2.2% QoQ	+$152.0M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	78%
Return on Assets ?	0.30% +16.2% YoY +33.3% QoQ	-0.97%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	Bottom 7.8% in tier
Net Interest Margin ?	2.26% +0.1% YoY -4.4% QoQ	-1.67%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	Bottom 1.6% in tier
Efficiency Ratio ?	78.32% -3.6% YoY -9.9% QoQ	+13.03%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	18%
Delinquency Rate ?	1.80% +69.8% YoY +30.4% QoQ	+0.92%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	Bottom 14.6% in tier
Loan-to-Deposit Ratio ?	75.63% -4.0% YoY -1.0% QoQ	-1.00%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	56%
Non-Interest-Bearing Deposit Share ?	4.78% +22.4% YoY +16.1% QoQ	-17.24%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	Bottom 3.4% in tier
Nonperforming Asset Ratio ?	1.26% +88.0% YoY +25.0% QoQ	+0.62%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	Bottom 15.0% in tier
Tier 1 Capital Ratio ?	14.35% -10.3% YoY -4.0% QoQ	-1.48%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.05% -5.6% YoY -75.5% QoQ	-0.23%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	21%

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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 (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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

536

Total Assets

size

Value: $592.90M

Peer Median: $386.08M

#536 of 2664 Top 20.1% in $100M-$1B

600

Total Deposits

size

Value: $479.94M

Peer Median: $327.97M

#600 of 2664 Top 22.5% in $100M-$1B

641

Total Loans

size

Value: $363.00M

Peer Median: $255.72M

#641 of 2664 Top 24.0% in $100M-$1B

Top Weaknesses (7 metrics)

2623

Net Interest Margin

profitability

Value: 2.26%

Peer Median: 3.93%

#2623 of 2664 Bottom 1.6% in $100M-$1B

2575

Non-Interest-Bearing Deposit Share

funding

Value: 4.78%

Peer Median: 22.02%

#2575 of 2664 Bottom 3.4% in $100M-$1B

2457

Return on Assets

profitability

Value: 0.30%

Peer Median: 1.27%

#2457 of 2664 Bottom 7.8% in $100M-$1B

2268

Delinquency Rate

credit_quality

Value: 1.80%

Peer Median: 0.89%

#2268 of 2654 Bottom 14.6% in $100M-$1B

2266

Nonperforming Asset Ratio

credit_quality

Value: 1.26%

Peer Median: 0.64%

#2266 of 2664 Bottom 15.0% in $100M-$1B

2197

Efficiency Ratio

profitability

Value: 78.32%

Peer Median: 65.29%

#2197 of 2664 Bottom 17.6% in $100M-$1B

2100

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2100 of 2664 Bottom 21.2% in $100M-$1B