BELMONT SAVINGS BANK, SSB

BELMONT, NC | Small | Est. Jan. 1, 1915, midnight | FDIC #28035 | RSSD #919773 | FDIC
Latest Report: 2025-12-31

BELMONT SAVINGS BANK, SSB is asn small FDIC-insured commercial bank headquartered in BELMONT, NC, established in Jan. 1, 1915, midnight. As of 2025-12-31, the bank reported total assets of $151M and total deposits of $102M. Profitability stands at 0.41% ROA and 3.22% ROE, with a net interest margin of 2.64%. The bank's CET1 capital ratio is 12.57%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.53% and a Texas Ratio of 3.52%. FDIC Certificate #28035.

Assets

$151M

Deposits

$102M

Loans

$128M

Equity

$19M

Profitability

Return on Assets (ROA) 0.41%
Return on Equity (ROE) 3.22%
Net Interest Margin (NIM) 2.64%
Yield on Assets 5.45%
Cost of Funds 2.98%

Asset Quality

NPL Ratio 0.53%
Net Charge-Off Ratio --
Texas Ratio 3.52%
NPA Ratio 0.45%
ACL / Loans 0.37%

Capital & Liquidity

CET1 Ratio 12.57%
Tier 1 Capital 12.57%
Total Capital Ratio 13.20%
Leverage Ratio 13.49%
Loan-to-Deposit 125.46%

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