BELMONT SAVINGS BANK

BELLAIRE, OH | Medium | Est. Jan. 1, 1886, midnight | FDIC #28348 | RSSD #72678 | FDIC
Latest Report: 2025-12-31

BELMONT SAVINGS BANK is amn medium FDIC-insured commercial bank headquartered in BELLAIRE, OH, established in Jan. 1, 1886, midnight. As of 2025-12-31, the bank reported total assets of $583M and total deposits of $469M. Profitability stands at -0.26% ROA and -2.32% ROE, with a net interest margin of 2.38%. The bank's CET1 capital ratio is 11.07%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.37% and a Texas Ratio of 8.69%. FDIC Certificate #28348.

Assets

$583M

Deposits

$469M

Loans

$362M

Equity

$65M

Profitability

Return on Assets (ROA) -0.26%
Return on Equity (ROE) -2.32%
Net Interest Margin (NIM) 2.38%
Yield on Assets 4.98%
Cost of Funds 2.77%

Asset Quality

NPL Ratio 1.37%
Net Charge-Off Ratio 0.04%
Texas Ratio 8.69%
NPA Ratio 1.01%
ACL / Loans 0.82%

Capital & Liquidity

CET1 Ratio 11.07%
Tier 1 Capital 11.07%
Total Capital Ratio 11.62%
Leverage Ratio 14.95%
Loan-to-Deposit 77.03%

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