Chicago, IL · Cert 58165 · Belmont Financial Group Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #52 of 147 inst. · $0.9B of $630.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 1.28% | 1.35% | 1.38% | 1.43% | 1.57% | 1.44% | 1.40% | +2 bps | |
| Return on Equity | 10.65% | 11.31% | 12.53% | 12.41% | 12.88% | 14.76% | 13.63% | 13.02% | +61 bps | |
| Net Interest Margin | 3.54% | 3.60% | 3.70% | 3.73% | 3.88% | 3.95% | 3.78% | 3.95% | +22 bps | |
| Efficiency Ratio | 53.03% | 53.89% | 50.63% | 50.89% | 49.43% | 47.75% | 51.19% | 50.86% | -4 bps | |
| Non-Interest Burden | 1.74% | 1.85% | 1.75% | 1.77% | 1.80% | 1.76% | 1.82% | 1.84% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.87% | 3.04% | 7.81% | 4.31% | 5.99% | 8.55% | 5.17% | 8.99% | +468 bps | |
| Loan Growth (YoY) | 7.19% | 6.09% | 8.47% | 6.80% | 4.32% | 4.05% | -1.69% | 2.36% | -444 bps | |
| Deposit Growth (YoY) | 2.48% | 7.31% | 10.44% | 6.87% | 8.21% | 7.88% | 4.93% | 9.55% | +268 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.42% | 0.03% | 0.10% | 0.16% | 0.30% | 0.55% | 1.11% | 0.41% | +25 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.04% | 0.05% | 0.10% | 0.19% | -0.01% | -0.01% | 0.05% | -5 bps | |
| Allowance / Loans | 1.16% | 1.17% | 1.16% | 1.16% | 1.14% | 1.20% | 1.24% | 1.23% | +7 bps | |
| Allowance Coverage of NPLs | 2.7x | 42.1x | 11.4x | 7.2x | 3.7x | 2.2x | 1.1x | 3.0x | -4.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.95% | 11.98% | 12.20% | 12.40% | 11.69% | 11.13% | 11.49% | 11.87% | -53 bps | |
| Total Risk-Based Capital | 17.53% | 16.63% | 16.51% | 16.97% | 16.18% | 16.04% | 16.87% | 16.86% | -11 bps | |
| Equity / Assets | 11.89% | 10.70% | 10.80% | 11.42% | 10.86% | 10.46% | 10.62% | 10.82% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.84% | 86.09% | 85.41% | 87.02% | 85.64% | 83.02% | 80.02% | 81.31% | -571 bps | |
| Liquid Assets / Assets | 3.58% | 5.21% | 6.33% | 5.27% | 6.96% | 10.45% | 12.66% | 11.06% | +579 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 395% | 396% | 373% | n/a | n/a | |