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
Unfavorable gap of $9.6M · efficiency ratio beats 27% 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 | 0.35% | 0.60% | 1.01% | 1.45% | Beats 14% | 538 / 629 | | |
| Return on Equity | 3.30% | 5.38% | 9.30% | 13.28% | Beats 16% | 528 / 629 | | |
| Net Interest Margin | 2.04% | 3.03% | 3.54% | 4.05% | Beats 4% | 603 / 629 | | |
| Efficiency Ratio | 77.93% | 58.35% | 67.79% | 79.08% | Beats 27% | 458 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.67% | 0.09% | 0.46% | 1.20% | Beats 16% | 487 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 47% | 310 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 13.63% | 11.24% | 13.84% | 18.77% | Beats 49% | 323 / 629 | | |
| Total Risk-Based Capital Ratio | 13.63% | 11.58% | 14.43% | 19.66% | Beats 44% | 353 / 629 | | |
| Equity / Assets | 10.71% | 9.09% | 10.65% | 13.80% | Beats 51% | 311 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.26% | 67.24% | 80.90% | 93.48% | 40th pctl | 357 / 594 | | |
| Loans / Assets | 60.98% | 53.31% | 67.71% | 78.15% | 36th pctl | 402 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |