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Belmont Bank & Trust Company

Chicago, IL · Cert 58165 · Belmont Financial Group Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$1.1BAssets
$752.2MLoans
$925.1MDeposits
$113.6MEquity
Loan mix
69%RE $499.3M31%C&I $221.0M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $713.8M23%Noninterest $211.3MQ2 2025Q2 2026

NIM

5.77%Q2 ’245.90%Q2 ’255.99%Q2 ’26+9%+5%

Non-interest income vs. expense

1.92%Q2 ’242.01%Q2 ’252.12%Q2 ’26+1%+5%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #52 of 147 inst. · $0.9B of $630.7B

0.2% Cook
0.0% Miami-Dade

Executive Summary

  • Earnings: ROA of 1.41%, up 5 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.41% of loans (+25 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 11.87%, down 53 bps from a year ago.
  • Funding: loans stand at 81.31% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.41%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+18 bps YoY

Efficiency Ratio (YTD, annualized)

51.02%+25 bps YoY

Tier 1 Leverage Ratio

11.87%-53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.39%1.43%1.44%1.41%+5 bps
Return on Equity12.47%12.68%13.22%13.63%13.30%+83 bps
Net Interest Margin3.69%3.69%3.67%3.78%3.87%+18 bps
Efficiency Ratio50.76%50.30%49.62%51.19%51.02%+25 bps
Non-Interest Burden1.75%1.74%1.70%1.82%1.83%+8 bps
Growth
Asset Growth (YoY)4.31%5.99%8.55%5.17%8.99%+468 bps
Loan Growth (YoY)6.80%4.32%4.05%-1.69%2.36%-444 bps
Deposit Growth (YoY)6.87%8.21%7.88%4.93%9.55%+268 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.30%0.55%1.11%0.41%+25 bps
Net Charge-Offs / Loans0.07%0.11%0.08%-0.01%0.02%-5 bps
Allowance / Loans1.16%1.14%1.20%1.24%1.23%+7 bps
Allowance Coverage of NPLs7.2x3.7x2.2x1.1x3.0x-4.3x
Capital
Tier 1 Leverage Ratio12.40%11.69%11.13%11.49%11.87%-53 bps
Total Risk-Based Capital16.97%16.18%16.04%16.87%16.86%-11 bps
Equity / Assets11.42%10.86%10.46%10.62%10.82%-61 bps
Liquidity & Funding
Loans / Deposits87.02%85.64%83.02%80.02%81.31%-571 bps
Liquid Assets / Assets5.27%6.96%10.45%12.66%11.06%+579 bps
CRE / Total Capitaln/a395%396%373%n/an/a