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Belmont Savings Bank

Bellaire, OH · Cert 28348

State charter, non-member · FDIC · 4 branches

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

32

Q2 2024Q2 2026peer median (50)

Profitability

11

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

27

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

Bellaire, OH · Cert 28348

State charter, non-member · FDIC · 4 branches

Q2 2026

$612.9MAssets
$373.8MLoans
$496.7MDeposits
$65.7MEquity
Loan mix
87%RE $311.5M8%C&I $30.4M5%Consumer $17.4MQ3 2024Q2 2026
Deposit mix
94%Interest-bearing $464.5M6%Noninterest $32.2MQ3 2024Q2 2026

Market Position · Wheeling, WV-OH · 2026 SOD (annual) · 9.1% share · #3 of 13 inst. · $0.5B of $5.5B

Executive Summary

  • Earnings: ROA of 0.36%, up 2 bps year over year; NIM at 2.04%.
  • Asset quality: problem loans at 1.67% of loans (+26 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 13.63%, down 203 bps from a year ago.
  • Funding: loans stand at 75.26% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.36%+2 bps YoY

Net Interest Margin (YTD, annualized)

2.04%-7 bps YoY

Efficiency Ratio (YTD, annualized)

77.93%-87 bps YoY

Tier 1 Leverage Ratio

13.63%-203 bps YoY

NIM

4.24%Q2 ’244.49%Q2 ’254.35%Q2 ’26+4%-3%

Non-interest income vs. expense

1.88%Q2 ’241.84%Q2 ’251.73%Q2 ’26-2%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.34%0.32%0.26%0.34%0.40%0.22%0.30%0.36%+2 bps
Return on Equity2.89%2.73%2.24%3.04%3.49%1.98%2.73%3.35%+31 bps
Net Interest Margin2.00%1.97%2.08%2.11%2.11%2.11%2.09%2.04%-7 bps
Efficiency Ratio80.62%81.52%81.27%78.79%78.20%86.90%78.32%77.93%-87 bps
Non-Interest Burden1.56%1.56%1.65%1.61%1.60%1.80%1.59%1.55%-7 bps
Growth
Asset Growth (YoY)7.51%6.13%7.38%8.17%6.47%13.14%12.38%13.05%+488 bps
Loan Growth (YoY)21.73%18.09%17.88%18.82%15.62%14.21%9.92%6.83%-1,198 bps
Deposit Growth (YoY)4.86%7.48%18.81%22.02%21.37%22.42%14.39%14.42%-759 bps
Asset Quality
Nonperforming Loans / Loans0.97%1.09%1.05%1.40%1.25%1.37%1.79%1.67%+26 bps
Net Charge-Offs / Loans0.02%0.01%-0.01%0.04%0.06%0.04%-0.01%0.02%-2 bps
Allowance / Loans0.78%0.80%0.79%0.78%0.78%0.82%0.88%0.86%+8 bps
Allowance Coverage of NPLs0.8x0.7x0.8x0.6x0.6x0.6x0.5x0.5x0.0x
Capital
Tier 1 Leverage Ratio16.21%15.98%16.00%15.66%15.31%14.95%14.35%13.63%-203 bps
Total Risk-Based Capital16.21%15.98%16.00%15.66%15.31%14.95%14.35%13.63%-203 bps
Equity / Assets12.32%11.41%11.50%11.01%11.62%11.07%10.77%10.71%-30 bps
Liquidity & Funding
Loans / Deposits84.85%82.57%79.41%80.60%80.83%77.03%76.30%75.26%-535 bps
Liquid Assets / Assets0.58%0.67%0.93%1.72%2.25%6.37%7.68%9.72%+800 bps
CRE / Total Capitaln/an/an/an/a108.69%104.96%102.84%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

Bellaire, OH · Cert 28348 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 4 branches

Q2 2026

$612.9MAssets
$373.8MLoans
$496.7MDeposits
$65.7MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 51% of banks under $1B in assets (rank 311 of 629).
  • Widest gap: net interest margin trails 96% of banks under $1B in assets (rank 603 of 629).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.35%

Rank 538 of 629

Net Interest Margin

2.04%

Rank 603 of 629

Efficiency Ratio

77.93%

Rank 458 of 629

Equity / Assets

10.71%

Rank 311 of 629

Non-interest income vs. expense

$1.1M$10.7MINCOMEEXPENSE
Unfavorable gap of $9.6M · efficiency ratio beats 27% of banks under $1B in assets
Bank 77.93%Peer median 67.8%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.35%0.60%1.01%1.45%Beats 14%538 / 629
Return on Equity3.30%5.38%9.30%13.28%Beats 16%528 / 629
Net Interest Margin2.04%3.03%3.54%4.05%Beats 4%603 / 629
Efficiency Ratio77.93%58.35%67.79%79.08%Beats 27%458 / 629
Asset Quality
Nonperforming Loans / Loans1.67%0.09%0.46%1.20%Beats 16%487 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 47%310 / 581
Capital
Tier 1 Capital Ratio13.63%11.24%13.84%18.77%Beats 49%323 / 629
Total Risk-Based Capital Ratio13.63%11.58%14.43%19.66%Beats 44%353 / 629
Equity / Assets10.71%9.09%10.65%13.80%Beats 51%311 / 629
Liquidity & Funding
Loans / Deposits75.26%67.24%80.90%93.48%40th pctl357 / 594
Loans / Assets60.98%53.31%67.71%78.15%36th pctl402 / 629
Brokered Deposits / Depositsn/aNot reported for this institution