Belmont Savings Bank, SSB

Belmont, NC · Cert 28035

SI · FDIC · 1 branch

Q2 2026

$161.0MAssets

$135.6MLoans

$111.3MDeposits

$19.4MEquity

Loan mix

Deposit mix

NIM

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

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%.

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

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.19%	0.12%	0.19%	0.45%	0.45%	+27 bps
Return on Equity	1.39%	0.88%	1.47%	3.61%	3.69%	+230 bps
Net Interest Margin	2.22%	2.34%	2.20%	2.50%	2.54%	+32 bps
Efficiency Ratio	87.17%	90.99%	87.19%	77.59%	76.98%	-1,020 bps
Non-Interest Burden	1.93%	2.12%	1.91%	1.93%	1.95%	+2 bps
Growth
Asset Growth (YoY)	6.35%	8.45%	13.04%	11.46%	15.84%	+949 bps
Loan Growth (YoY)	8.93%	9.45%	13.25%	11.33%	13.95%	+502 bps
Deposit Growth (YoY)	1.07%	6.39%	6.96%	9.62%	15.89%	+1,482 bps
Asset Quality
Nonperforming Loans / Loans	0.92%	0.69%	0.53%	0.55%	0.37%	-54 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Allowance / Loans	0.38%	0.36%	0.37%	0.36%	0.35%	-2 bps
Allowance Coverage of NPLs	0.4x	0.5x	0.7x	0.6x	1.0x	+0.5x
Capital
Tier 1 Leverage Ratio	14.31%	14.70%	13.49%	12.94%	12.88%	-142 bps
Total Risk-Based Capital	14.31%	14.70%	13.49%	12.94%	12.88%	-142 bps
Equity / Assets	13.33%	12.85%	12.57%	12.27%	12.03%	-130 bps
Liquidity & Funding
Loans / Deposits	123.88%	121.33%	125.46%	122.81%	121.80%	-207 bps
Liquid Assets / Assets	1.73%	4.25%	5.04%	6.06%	6.12%	+438 bps
CRE / Total Capital	n/a	96.73%	107.73%	109.11%	n/a	n/a