Belmont Bank & Trust Company
BankRegReports is independent of Belmont Bank & Trust Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Belmont Bank & Trust Company is an FDIC-insured commercial bank headquartered in Chicago, IL, established in 2006 (FDIC certificate 58165), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.05B, up 9.0% from Q2 2025, the 51st largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 15.68% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58165
- Headquarters
- Chicago, IL
- Established
- 2006
- Total assets, Q2 2026
- $1.05B
- Assets vs Q2 2025
- +9.0%
- CET1 ratio, Q2 2026
- 15.68%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 071026576
- Latest call report
- Q2 2026, FFIEC 051 · Belmont Bank & Trust Company call report
- Holding company
- BELMONT FINANCIAL GROUP, INC.
- Asset rank in state
- 51st of 319 in Illinois
Little in Belmont Bank & Trust Company's latest call report stands out. The Chicago, Illinois bank had $1.1 billion in assets at June 30, 2026, up 9.0% from a year earlier. On most measures it sits near the middle of the 895 banks with $1 billion to $10 billion in assets.
Deposits are coming in faster than loans: over the year loans rose 2.4% and deposits rose 9.5%. Delinquency has appeared in its $207 million non-owner-occupied commercial real estate book: 1.29% of those loans are past due or on nonaccrual, against almost none a year earlier. Funding is the softer spot: it pays an average of 2.44% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Belmont Bank & Trust Company reported a CET1 capital ratio of 15.68%, a return on assets of 1.39%, a nonperforming-loan ratio of 0.41% and a Texas ratio of 2.54%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Belmont Bank & Trust Company is the 51st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.2% to $1.05B, loans rose 3.9% and deposits rose 2.3%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 29.4% of total loans, followed by non-owner-occupied commercial real estate loans at 27.6%. The FDIC Summary of Deposits lists 5 offices for it, in Chicago, IL and Coral Gables, FL; its Chicago 4 offices book 95% of its branch deposits. By the capital ratios in its Q2 2026 call report, Belmont Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8250 W Belmont Ave, Chicago, IL 60634
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 14, 2006
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 66
- Domestic deposits
- $925.1M
- Allowance for credit losses
- $9.3M
- Net charge-offs (YTD)
- $90K
- Average total assets
- $1.04B
- Average total loans
- $732.1M
- Average interest-bearing deposits
- $696.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 14, 2006
- FDIC Cert
- 58165
- Fed RSSD
- 3391718
- SEC CIK
- 1345501 → filed by BELMONT FINANCIAL GROUP, INC.
- Website
- WWW.BELMONTBANK.COM →
- Parent Holding Company
- BELMONT FINANCIAL GROUP, INC. (RSSD 3391727)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Belmont Bank & Trust Company's total assets ranged from $902.5M (Q3 2023) to $1.05B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.05B total assets against $963.8M; $936.8M total liabilities against $853.7M.
$742.9M net loans and leases against $726.3M; $925.1M total deposits against $844.5M.
$150.9M securities against $148.5M; $132.0M cash and balances due against $64.8M.
$15.8M total interest income against $14.7M; $5.6M total interest expense against $5.5M.
$10.3M net interest income against $9.2M.
$870K total noninterest income against $640K; $5.7M total noninterest expense against $5.0M.
$369K provision for credit losses against $200K.
$3.6M net income against $3.3M.
1.39% return on assets against 1.36%; 4.08% net interest margin against 3.86%.
15.68% CET1 capital ratio against 15.84%; 11.87% tier 1 leverage ratio against 12.40%.
Inside the full Belmont Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Belmont Bank & Trust Company rankings
Its closest position to the top of a national ranking is 809 of 3,606, for efficiency ratio; its furthest is 2,020 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.22% (Q3 2024) to 1.52% (Q4 2025) and its net interest margin ran from 3.67% (Q3 2024) to 4.08% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.68% | 1.39% | 0.41% | 2.54% | 4.08% |
| Q1 2026 | 15.68% | 1.41% | 1.11% | 6.78% | 3.90% |
| Q4 2025 | 14.88% | 1.52% | 0.55% | 3.52% | 4.08% |
| Q3 2025 | 15.07% | 1.39% | 0.30% | 1.95% | 4.01% |
| Q2 2025 | 15.84% | 1.36% | 0.16% | 0.99% | 3.86% |
| Q1 2025 | 15.39% | 1.33% | 0.10% | 0.66% | 3.83% |
| Q4 2024 | 15.50% | 1.25% | 0.03% | 0.18% | 3.73% |
| Q3 2024 | 16.40% | 1.22% | 0.42% | 2.52% | 3.67% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Belmont Bank & Trust Company (main office) | Chicago , IL | 60634 | $625.0M |
| Wacker Drive Branch | Chicago , IL | 60601 | $192.2M |
| Coral Gables Branch | Coral Gables , FL | 33134 | $45.1M |
| Wicker Branch | Chicago , IL | 60622 | $36.7M |
| 1038 West Madison Street, Chicago, Illinois 60607 Branch | Chicago , IL | 60607 | $26.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IL, rank 71 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 24 applications, 24 loans originated, $12.8M originated, across 2 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $2.6M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Belmont Bank & Trust Company’s latest filed figures and updates each quarter.
Similar banks
Compare Belmont Bank & Trust Company with peers
Frequently asked about Belmont Bank & Trust Company
What are Belmont Bank & Trust Company's total assets?
As of the Q2 2026 filing, Belmont Bank & Trust Company reported total assets of $1.05 billion in its FFIEC call report.
Where is Belmont Bank & Trust Company headquartered?
It is headquartered in Chicago, IL, United States.
When was Belmont Bank & Trust Company founded?
It was established in 2006, per the FDIC institution directory.
Is Belmont Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58165). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Belmont Bank & Trust Company?
Belmont Bank & Trust Company's primary federal regulator is the FDIC.
What is Belmont Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.68% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Belmont Bank & Trust Company operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Belmont Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 2.54% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Belmont Bank & Trust Company.
Get an email when Belmont Bank & Trust Company files its next call report, and benchmark it against any peer you choose.
Unlock Belmont Bank & Trust Company, freeFree account