BlastPoint's Banking Scorecard
Belmont Bank & Trust Company
Designations: ✓ Community bank
Chicago, IL
5 branches across IL · FL
Belmont Bank & Trust Company has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.07% above tier average
- + Net Interest Margin 0.17% above tier average
- + Efficiency Ratio 9.87% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.23% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+5.2% YoY
+0.7% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.8% in tier |
| Total Loans ? |
$715.0M
-1.8% YoY
-2.7% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 8.5% in tier |
| Total Deposits ? |
$904.7M
+4.9% YoY
+1.0% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 7.1% in tier |
| Return on Assets ? |
1.44%
+6.7% YoY
+0.2% QoQ
|
+0.07% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
66% |
| Net Interest Margin ? |
3.99%
+2.3% YoY
-1.7% QoQ
|
+0.17% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
71% |
| Efficiency Ratio ? |
51.19%
+1.1% YoY
+3.2% QoQ
|
-9.87% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
75% |
| Delinquency Rate ? |
1.12%
+985.8% YoY
+101.9% QoQ
|
+0.23% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
79.03%
-6.4% YoY
-3.7% QoQ
|
-5.18% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
24.46%
-1.7% YoY
+4.2% QoQ
|
+3.17% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.78%
+914.2% YoY
+95.1% QoQ
|
+0.10% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
28% |
| Tier 1 Capital Ratio ? |
15.68%
+1.9% YoY
+5.4% QoQ
|
+0.52% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.06%
-4.2% YoY
-74.8% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.5% in tier |
Get Full Access to Belmont Bank & Trust Company
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.