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Belmont Savings Bank, SSB

Belmont, NC · Cert 28035

SI · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

48

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

29

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Belmont Savings Bank, SSB

Belmont, NC · Cert 28035

SI · FDIC · 1 branch

Q2 2026

$161.0MAssets
$135.6MLoans
$111.3MDeposits
$19.4MEquity
Loan mix
100%RE $131.7M0%C&I $0.0M0%Consumer $0.1MQ3 2024Q2 2026
Deposit mix
95%Interest-bearing $105.9M5%Noninterest $5.4MQ3 2024Q2 2026

Market Position · Charlotte-Concord-Gastonia, NC-SC · 2026 SOD (annual) · 0.0% share · #34 of 47 inst. · $0.1B of $432.7B

Executive Summary

  • Earnings: ROA of 0.45%, up 27 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 0.37% of loans (-54 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.88%, down 142 bps from a year ago.
  • Funding: loans stand at 121.80% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.45%+27 bps YoY

Net Interest Margin (YTD, annualized)

2.54%+32 bps YoY

Efficiency Ratio (YTD, annualized)

76.98%-1,020 bps YoY

Tier 1 Leverage Ratio

12.88%-142 bps YoY

NIM

4.35%Q2 ’244.85%Q2 ’255.08%Q2 ’26+24%+15%

Non-interest income vs. expense

2.28%Q2 ’241.98%Q2 ’252.00%Q2 ’26-13%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.33%-0.20%0.13%0.19%0.12%0.19%0.45%0.45%+27 bps
Return on Equity-2.26%-1.40%0.99%1.39%0.88%1.47%3.61%3.69%+230 bps
Net Interest Margin1.80%1.89%2.12%2.22%2.34%2.20%2.50%2.54%+32 bps
Efficiency Ratio119.14%110.11%90.24%87.17%90.99%87.19%77.59%76.98%-1,020 bps
Non-Interest Burden2.16%2.09%1.90%1.93%2.12%1.91%1.93%1.95%+2 bps
Growth
Asset Growth (YoY)11.30%11.43%8.59%6.35%8.45%13.04%11.46%15.84%+949 bps
Loan Growth (YoY)15.04%12.13%11.01%8.93%9.45%13.25%11.33%13.95%+502 bps
Deposit Growth (YoY)2.84%5.26%0.31%1.07%6.39%6.96%9.62%15.89%+1,482 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.22%0.25%0.92%0.69%0.53%0.55%0.37%-54 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.37%0.37%0.37%0.38%0.36%0.37%0.36%0.35%-2 bps
Allowance Coverage of NPLs1.7x1.7x1.5x0.4x0.5x0.7x0.6x1.0x+0.5x
Capital
Tier 1 Leverage Ratio14.61%14.64%14.18%14.31%14.70%13.49%12.94%12.88%-142 bps
Total Risk-Based Capital14.61%14.64%14.18%14.31%14.70%13.49%12.94%12.88%-142 bps
Equity / Assets13.88%13.81%13.30%13.33%12.85%12.57%12.27%12.03%-130 bps
Liquidity & Funding
Loans / Deposits117.93%118.49%120.93%123.88%121.33%125.46%122.81%121.80%-207 bps
Liquid Assets / Assets5.12%3.36%5.22%1.73%4.25%5.04%6.06%6.12%+438 bps
CRE / Total Capitaln/an/an/an/a96.73%107.73%109.11%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Belmont Savings Bank, SSB

Belmont, NC · Cert 28035 · Peer group: banks under $1B in assets (n=581-629)

SI · FDIC · 1 branch

Q2 2026

$161.0MAssets
$135.6MLoans
$111.3MDeposits
$19.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: net interest margin trails 89% of banks under $1B in assets (rank 562 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.44%

Rank 516 of 629

Net Interest Margin

2.54%

Rank 562 of 629

Efficiency Ratio

76.98%

Rank 447 of 629

Equity / Assets

12.03%

Rank 225 of 629

Non-interest income vs. expense

$0.1M$3.2MINCOMEEXPENSE
Unfavorable gap of $3.1M · efficiency ratio beats 29% of banks under $1B in assets
Bank 76.98%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.44%0.60%1.01%1.45%Beats 18%516 / 629
Return on Equity3.65%5.38%9.30%13.28%Beats 17%520 / 629
Net Interest Margin2.54%3.03%3.54%4.05%Beats 11%562 / 629
Efficiency Ratio76.98%58.35%67.79%79.08%Beats 29%447 / 629
Asset Quality
Nonperforming Loans / Loans0.37%0.09%0.46%1.20%Beats 55%265 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio12.88%11.24%13.84%18.77%Beats 42%367 / 629
Total Risk-Based Capital Ratio12.88%11.58%14.43%19.66%Beats 37%396 / 629
Equity / Assets12.03%9.09%10.65%13.80%Beats 64%225 / 629
Liquidity & Funding
Loans / Deposits121.80%67.24%80.90%93.48%98th pctl10 / 594
Loans / Assets84.21%53.31%67.71%78.15%90th pctl61 / 629
Brokered Deposits / Depositsn/aNot reported for this institution