Belmont Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Belmont Savings Bank is an FDIC-insured commercial bank headquartered in Bellaire, OH, established in 1886 (FDIC certificate 28348), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $612.9M, up 13.1% from Q2 2025, the 47th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.63% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28348
- Headquarters
- Bellaire, OH
- Established
- 1886
- Total assets, Q2 2026
- $612.9M
- Assets vs Q2 2025
- +13.1%
- Tier 1 leverage ratio, Q2 2026
- 13.63%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 243270671
- Latest call report
- Q2 2026, FFIEC 051 · Belmont Savings Bank call report
- Asset rank in state
- 47th of 154 in Ohio
Belmont Savings Bank spends more to run itself than most banks of its size. Based in Bellaire, Ohio, it had $613 million in assets at June 30, 2026, up 13.1% from a year earlier. It earns about $0.42 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 2.37 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
Deposits are coming in faster than loans: over the year loans rose 6.8% and deposits rose 14.4%. Paper losses on its bond portfolio are shrinking: unrealized losses of $24 million equal 28% of Tier 1 capital, down from 36% a year earlier. Funding is the softer spot: it pays an average of 2.69% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Belmont Savings Bank reported a return on assets of 0.42%, a nonperforming-loan ratio of 1.67% and a Texas ratio of 9.05%. The figures come from its call report filed with the FFIEC.
Belmont Savings Bank ranks as the 47th largest of the 154 banks based in Ohio, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.4% to $612.9M, loans rose 2.1% and deposits rose 3.5%. 1-4 family residential loans made up 62.5% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 9.7%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in OH; its St. Clairsville office books 39% of its branch deposits. By the capital ratios in its Q2 2026 call report, Belmont Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 426 34th Street, Bellaire, OH 43906
- County
- Belmont
- Metro Area
- Wheeling, WV-OH
- 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 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1886
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 54
- Domestic deposits
- $496.7M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $32K
- Average total assets
- $619.7M
- Average total loans
- $348.7M
- Average interest-bearing deposits
- $466.4M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28348
- Fed RSSD
- 72678
- Website
- www.bsb.bank →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Belmont Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Belmont Savings Bank's total assets ran between $483.0M (Q3 2023) and $612.9M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$612.9M total assets against $542.2M; $547.3M total liabilities against $482.5M.
$370.6M net loans and leases against $347.1M; $496.7M total deposits against $434.1M.
$135.6M securities against $140.2M; $61.3M cash and balances due against $10.9M.
$6.9M total interest income against $6.1M; $3.6M total interest expense against $3.2M.
$3.3M net interest income against $2.9M.
$255K total noninterest income against $314K; $2.7M total noninterest expense against $2.5M.
$54K provision for credit losses against $165K.
$644K net income against $574K.
0.42% return on assets against 0.43%; 2.37% net interest margin against 2.39%.
13.63% tier 1 leverage ratio against 15.66%.
Inside the full Belmont Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBelmont Savings Bank rankings
Its closest position to the top of a national ranking is 717 of 3,640, for Texas Ratio; its furthest is 3,319 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.27% (Q4 2025) to 0.50% (Q3 2025) and its net interest margin ran from 2.16% (Q4 2024) to 2.47% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.63% | 0.42% | 1.67% | 9.05% | 2.37% |
| Q1 2026 | 13.81% | 0.29% | 1.79% | 11.11% | 2.29% |
| Q4 2025 | 14.95% | -0.27% | 1.37% | 8.69% | 2.47% |
| Q3 2025 | 15.31% | 0.50% | 1.25% | 8.00% | 2.45% |
| Q2 2025 | 15.66% | 0.43% | 1.40% | 8.10% | 2.39% |
| Q1 2025 | 16.00% | 0.26% | 1.05% | 5.57% | 2.28% |
| Q4 2024 | 15.98% | 0.26% | 1.09% | 5.62% | 2.16% |
| Q3 2024 | 16.21% | 0.39% | 0.97% | 4.49% | 2.22% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| 215 West Main Street Branch | St. Clairsville , OH | 43950 | $195.4M |
| Belmont Savings Bank (main office) | Bellaire , OH | 43906 | $171.1M |
| 915 East Main St Branch | Barnesville , OH | 43713 | $74.4M |
| 298 Highway #7 Branch | Powhatan Point , OH | 43942 | $55.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 61 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Belmont Savings Bank
What are Belmont Savings Bank's total assets?
As of the Q2 2026 filing, Belmont Savings Bank reported total assets of $612.9 million in its FFIEC call report.
Where is Belmont Savings Bank headquartered?
It is headquartered in Bellaire, OH, United States.
When was Belmont Savings Bank founded?
It was established in 1886, per the FDIC institution directory.
Is Belmont Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #28348). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Belmont Savings Bank?
Belmont Savings Bank's primary federal regulator is the FDIC.
How many branches does Belmont Savings Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Belmont Savings Bank's Texas Ratio?
Its Texas Ratio is 9.05% 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.
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