BlastPoint's Banking Scorecard

Belmont Bank & Trust Company

$1B-$10B Specialty: Commercial IL FDIC cert 58165

Designations: ✓ Community bank

Chicago, IL

5 branches across IL · FL

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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
Deposits +9.5% year over year ($925.1M on the books).
Delinquency rate 0.42%.
Return on assets 1.41%.
Efficiency ratio 51.02% vs a 59.73% peer average.
Loan-to-deposit ratio 80.30% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 49 in IL

View $1B-$10B leaderboard (IL) →

Belmont Bank & Trust Company has 3 strengths but faces 1 concern

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

+ Net Interest Margin 0.17% above tier average
+ Efficiency Ratio 8.71% below tier average
+ Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 16.4% in tier

Get updates when Belmont Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$1.1B +9.0% YoY +2.2% QoQ	-$1.7B	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Bottom 4.6% in tier
Total Loans ?	$742.9M +2.3% YoY +3.9% QoQ	-$1.2B	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Bottom 9.9% in tier
Total Deposits ?	$925.1M +9.5% YoY +2.3% QoQ	-$1.4B	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Bottom 10.3% in tier
Return on Assets ?	1.41% +3.4% YoY -1.6% QoQ	+0.02%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	64%
Net Interest Margin ?	4.04% +2.9% YoY +1.4% QoQ	+0.17%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	71%
Efficiency Ratio ?	51.02% +0.5% YoY -0.3% QoQ	-8.71%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	75%
Delinquency Rate ?	0.42% +158.6% YoY -62.5% QoQ	-0.45%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	59%
Loan-to-Deposit Ratio ?	80.30% -6.6% YoY +1.6% QoQ	-4.73%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	67%
Non-Interest-Bearing Deposit Share ?	22.84% +3.5% YoY -6.6% QoQ	+1.57%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	64%
Nonperforming Asset Ratio ?	0.30% +142.7% YoY -61.9% QoQ	-0.38%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	62%
Tier 1 Capital Ratio ?	15.68% -1.1% YoY -0.1% QoQ	+0.83%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.14% +8.8% YoY +132.4% QoQ	-0.38%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	17%

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 (IL)	National Avg	Tier Percentile
Noninterest-Bearing	22.8% +0.8pp YoY -1.6pp QoQ	+1.5pp	21.4%	20.1%	22.2%	63%
Brokered Deposits	15.7% +0.7pp YoY +1.9pp QoQ	+6.2pp	9.5%	8.0%	8.5%	84%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	29.8% +1.9pp YoY -1.1pp QoQ	+15.8pp	14.0%	14.7%	12.5%	91%
CRE	63.5% -0.4pp YoY +1.1pp QoQ	+13.5pp	50.0%	37.9%	41.4%	81%
1-4 Family	7.1% -1.0pp YoY -0.3pp QoQ	-19.3pp	26.4%	28.3%	31.3%	10%
Consumer	0.0% -0.1pp YoY 0.0pp QoQ	-4.7pp	4.7%	5.4%	5.0%	5%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	15.7% -0.2pp YoY 0.0pp QoQ	+0.1pp	15.6%	19.9%	19.7%	76%
Leverage Ratio	11.9% -0.5pp YoY +0.4pp QoQ	+0.6pp	11.3%	12.2%	12.6%	75%
Total Capital Ratio	16.9% -0.1pp YoY 0.0pp QoQ	+0.2pp	16.7%	20.9%	20.8%	76%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	66 0 YoY +2 (+3.1%) QoQ	-248	313	228	482	2%
Assets per Employee ($)	$15.9M +9.0% YoY -0.9% QoQ	+$5.4M	$10.5M	$8.3M	$8.8M	91%
Branch Count	5 0 YoY 0 QoQ	-15	20	10	18	12%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.4%	0.4%	n/a
Nonaccrual	0.4% +0.3pp YoY -0.7pp QoQ	-0.4pp	0.8%	1.1%	1.0%	42%
Allowance Coverage	2.97x -58.8% YoY +165.4% QoQ	-15.74x	18.71x	5.62x	20.23x	63%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	42%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	13.3% +0.8pp YoY -0.3pp QoQ	+0.7pp	12.6%	10.5%	11.6%	60%
Cost of Funds (YTD)	2.2% -0.1pp YoY 0.0pp QoQ	+0.3pp	1.9%	1.6%	1.7%	73%
Net Income ($, YTD)	$7.3M +11.2% YoY — QoQ	-$11.9M	$19.2M	$11.7M	$40.4M	25%

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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

#67 of 402 • Bottom 16.4% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (1 metrics)

191

Tier 1 Capital Ratio

capital

Value: 15.68%

Peer Median: 14.84%

#191 of 885 Top 21.5% in $1B-$10B

Top Weaknesses (4 metrics)

845

Total Assets

size

Value: $1.05B

Peer Median: $2.79B

#845 of 885 Bottom 4.6% in $1B-$10B

798

Total Loans

size

Value: $742.92M

Peer Median: $1.96B

#798 of 885 Bottom 9.9% in $1B-$10B

795

Total Deposits

size

Value: $925.12M

Peer Median: $2.32B

#795 of 885 Bottom 10.3% in $1B-$10B

732

Non-Interest Income / Assets

revenue_mix

Value: 0.14%

Peer Median: 0.53%

#732 of 885 Bottom 17.4% in $1B-$10B