Belmont Bank & Trust Company
Chicago, IL · Cert 58165 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Belmont Financial Group Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$1.1BAssets
$752.2MLoans
$925.1MDeposits
$113.6MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 90% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 3 of 31).
- Widest gap: return on equity trails 61% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 19 of 31).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.39%
Rank 16 of 31
Net Interest Margin
3.87%
Rank 6 of 31
Efficiency Ratio
51.02%
Rank 18 of 31
Equity / Assets
10.82%
Rank 9 of 31
Non-interest income vs. expense
Unfavorable gap of $19.1M · efficiency ratio beats 45% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.39% | 1.15% | 1.39% | 1.64% | Beats 48% | 16 / 31 | |
| Return on Equity | 12.86% | 11.05% | 13.35% | 16.66% | Beats 39% | 19 / 31 | |
| Net Interest Margin | 3.87% | 3.00% | 3.28% | 3.75% | Beats 81% | 6 / 31 | |
| Efficiency Ratio | 51.02% | 37.25% | 50.71% | 61.60% | Beats 45% | 18 / 31 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.18% | 0.41% | 1.00% | Beats 52% | 16 / 31 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.04% | 0.11% | Beats 74% | 9 / 31 | |
| Capital |
| Tier 1 Capital Ratio | 15.68% | 10.88% | 11.50% | 13.72% | Beats 90% | 3 / 31 | |
| Total Risk-Based Capital Ratio | 16.86% | 11.53% | 12.02% | 14.77% | Beats 90% | 3 / 31 | |
| Equity / Assets | 10.82% | 8.90% | 10.15% | 11.24% | Beats 71% | 9 / 31 | |
| Liquidity & Funding |
| Loans / Deposits | 81.31% | 80.56% | 87.67% | 94.53% | 29th pctl | 22 / 31 | |
| Loans / Assets | 71.60% | 67.81% | 73.77% | 76.85% | 39th pctl | 19 / 31 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |