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
Unfavorable gap of $3.1M · efficiency ratio beats 29% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.44% | 0.60% | 1.01% | 1.45% | Beats 18% | 516 / 629 | | |
| Return on Equity | 3.65% | 5.38% | 9.30% | 13.28% | Beats 17% | 520 / 629 | | |
| Net Interest Margin | 2.54% | 3.03% | 3.54% | 4.05% | Beats 11% | 562 / 629 | | |
| Efficiency Ratio | 76.98% | 58.35% | 67.79% | 79.08% | Beats 29% | 447 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.09% | 0.46% | 1.20% | Beats 55% | 265 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.88% | 11.24% | 13.84% | 18.77% | Beats 42% | 367 / 629 | | |
| Total Risk-Based Capital Ratio | 12.88% | 11.58% | 14.43% | 19.66% | Beats 37% | 396 / 629 | | |
| Equity / Assets | 12.03% | 9.09% | 10.65% | 13.80% | Beats 64% | 225 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 121.80% | 67.24% | 80.90% | 93.48% | 98th pctl | 10 / 594 | | |
| Loans / Assets | 84.21% | 53.31% | 67.71% | 78.15% | 90th pctl | 61 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |