Belmont Savings Bank, SSB
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Data as of · sourced from FFIEC call reports. How we update
Belmont Savings Bank, SSB is an FDIC-insured savings bank headquartered in Belmont, NC, established in 1915 (FDIC certificate 28035), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $161.0M, up 15.8% from Q2 2025, the 30th largest of 38 banks headquartered in North Carolina. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.88% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28035
- Headquarters
- Belmont, NC
- Established
- 1915
- Total assets, Q2 2026
- $161.0M
- Assets vs Q2 2025
- +15.8%
- Tier 1 leverage ratio, Q2 2026
- 12.88%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 253170088
- Latest call report
- Q2 2026, FFIEC 051 · Belmont Savings Bank, SSB call report
- Asset rank in state
- 30th of 38 in North Carolina
Belmont Savings Bank, SSB, based in Belmont, North Carolina, reported $161 million in assets at June 30, 2026, up 15.8% from a year earlier. It returns 3.8% a year on shareholders' equity, about a third the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 2.75 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $182,000, 119% above the same quarter a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.37% of loans from 0.92%. Funding is the softer spot: it pays an average of 2.78% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, Belmont Savings Bank, SSB reported a return on assets of 0.46%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 2.54%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Belmont Savings Bank, SSB is the 30th largest of the 38 banks headquartered in North Carolina. Between Q1 2026 and Q2 2026, its total assets rose 3.5% to $161.0M, loans rose 3.7% and deposits rose 4.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 84.7% of total loans, ahead of construction and land development loans at 10.6%. Its one office in the FDIC Summary of Deposits is in Belmont, NC. On its Q2 2026 call report, Belmont Savings Bank, SSB meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 210 Park St, Belmont, NC 28012
- County
- Gaston
- Metro Area
- Charlotte-Concord-Gastonia, NC-SC
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1915
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $111.3M
- Allowance for credit losses
- $480K
- Net charge-offs (YTD)
- $0
- Average total assets
- $157.8M
- Average total loans
- $133.7M
- Average interest-bearing deposits
- $111.7M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28035
- Fed RSSD
- 919773
- Website
- www.belmontsavingsbank.com →
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, SSB reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Belmont Savings Bank, SSB's total assets moved between a low of $120.1M (Q4 2023) and a high of $161.0M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$161.0M total assets against $139.0M; $141.7M total liabilities against $120.5M.
$135.1M net loans and leases against $118.6M; $111.3M total deposits against $96.1M.
$7.9M securities against $7.5M; $11.1M cash and balances due against $3.9M.
$2.1M total interest income against $1.7M; $1.0M total interest expense against $907K.
$1.0M net interest income against $800K.
$21K total noninterest income against $17K; $806K total noninterest expense against $689K.
$5K provision for credit losses against $34K.
$182K net income against $83K.
0.46% return on assets against 0.24%; 2.75% net interest margin against 2.47%.
12.88% tier 1 leverage ratio against 14.31%.
Inside the full Belmont Savings Bank, SSB 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Belmont Savings Bank, SSB rankings
Its closest position to the top of a national ranking is 2,019 of 3,640, for Texas Ratio; its furthest is 3,280 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.25% (Q3 2024) to 0.46% (Q2 2026) and its net interest margin ran from 2.06% (Q3 2024) to 2.75% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.88% | 0.46% | 0.37% | 2.54% | 2.75% |
| Q1 2026 | 12.94% | 0.44% | 0.55% | 3.70% | 2.65% |
| Q4 2025 | 13.49% | 0.41% | 0.53% | 3.52% | 2.54% |
| Q3 2025 | 14.70% | -0.02% | 0.69% | 4.40% | 2.47% |
| Q2 2025 | 14.31% | 0.24% | 0.92% | 5.74% | 2.47% |
| Q1 2025 | 14.18% | 0.13% | 0.25% | 1.57% | 2.27% |
| Q4 2024 | 14.64% | 0.17% | 0.22% | 1.30% | 2.20% |
| Q3 2024 | 14.61% | -0.25% | 0.21% | 1.24% | 2.06% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Savings Bank, SSB (main office) | Belmont , NC | 28012 | $111.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NC, rank 57 of 82 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, SSB
What are Belmont Savings Bank, SSB's total assets?
As of the Q2 2026 filing, Belmont Savings Bank, SSB reported total assets of $161.0 million in its FFIEC call report.
Where is Belmont Savings Bank, SSB headquartered?
It is headquartered in Belmont, NC, United States.
When was Belmont Savings Bank, SSB founded?
It was established in 1915, per the FDIC institution directory.
Is Belmont Savings Bank, SSB FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28035). 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, SSB?
Belmont Savings Bank, SSB's primary federal regulator is the FDIC.
How many branches does Belmont Savings Bank, SSB operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Belmont Savings Bank, SSB'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.
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