Belmont Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Belmont Bank & Trust Company of Chicago, IL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.39% | 1.46% | -0.07% | 60th above |
| ROAE | 13.02% | 12.72% | +0.30% | 55th above |
| Net Interest Margin | 4.08% | 3.85% | +0.23% | 74th above |
| Efficiency Ratio | 50.61% | 57.41% | -6.80% | 75th top |
| PPNR / Avg Assets | 2.11% | 1.88% | +0.23% | 73rd above |
| Yield on Earning Assets | 6.28% | 5.72% | +0.56% | 84th top |
| Cost of Funds | 2.44% | 2.02% | +0.42% | 24th bottom |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.10% | 3.18% | -0.08% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.41% | 1.00% | -0.59% | 64th above |
| NPA / Total Assets | 0.30% | 0.76% | -0.46% | 66th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.43% | -0.37% | 40th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.23% | 1.31% | -0.08% | 63rd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 297.37% | 543.45% | -246.08% | 69th above |
| Texas Ratio | 2.54% | 7.39% | -4.85% | 72nd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 522.22% | 618.65% | -96.43% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.68% | 17.34% | -1.66% | 76th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.68% | 17.37% | -1.69% | 76th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.86% | 18.42% | -1.56% | 76th top |
| Leverage Ratio | 11.87% | 11.44% | +0.43% | 75th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.82% | 11.34% | -0.52% | 58th above |
| TCE / Tangible Assets | 10.82% | 10.50% | +0.32% | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.31% | 86.96% | -5.65% | 67th above |
| Core Deposit Ratio | 78.55% | 85.56% | -7.01% | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 8.99% | 9.68% | -0.69% | 72nd above |
| Loan Growth (Y/Y) | 2.36% | 8.06% | -5.70% | 31st below |
| Deposit Growth (Y/Y) | 9.55% | 7.87% | +1.68% | 73rd above |
See Belmont Bank & Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Belmont Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Belmont Bank & Trust Company profile, how to read a UBPR, or how this data updates.