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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 $0.1MQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $105.9M5%Noninterest $5.4MQ2 2025Q2 2026

NIM

4.56%Q2 ’244.93%Q2 ’255.21%Q2 ’26+23%+13%

Non-interest income vs. expense

2.26%Q2 ’241.99%Q2 ’252.04%Q2 ’26-12%+2%

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 0.46%, up 22 bps year over year; NIM at 2.62%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.46%+22 bps YoY

Net Interest Margin (quarter, annualized)

2.62%+31 bps YoY

Efficiency Ratio (quarter, annualized)

76.40%-793 bps YoY

Tier 1 Leverage Ratio

12.88%-142 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.24%-0.02%0.41%0.45%0.46%+22 bps
Return on Equity1.79%-0.15%3.22%3.61%3.78%+200 bps
Net Interest Margin2.31%2.45%2.43%2.50%2.62%+31 bps
Efficiency Ratio84.33%98.10%77.22%77.59%76.40%-793 bps
Non-Interest Burden1.94%2.41%1.87%1.93%1.99%+5 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 / Loans0.92%0.69%0.53%0.55%0.37%-54 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.38%0.36%0.37%0.36%0.35%-2 bps
Allowance Coverage of NPLs0.4x0.5x0.7x0.6x1.0x+0.5x
Capital
Tier 1 Leverage Ratio14.31%14.70%13.49%12.94%12.88%-142 bps
Total Risk-Based Capital14.31%14.70%13.49%12.94%12.88%-142 bps
Equity / Assets13.33%12.85%12.57%12.27%12.03%-130 bps
Liquidity & Funding
Loans / Deposits123.88%121.33%125.46%122.81%121.80%-207 bps
Liquid Assets / Assets1.73%4.25%5.04%6.06%6.12%+438 bps
CRE / Total Capitaln/a96.73%107.73%109.11%n/an/a