Belmont Savings Bank, SSB: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 1.74 percentage points lower than in Q1 2026, at 86.19%. Belmont Savings Bank, SSB has the highest loan-to-deposit ratio of the 38 banks headquartered in North Carolina, 121.80% as of Q2 2026. Belmont Savings Bank, SSB's loan-to-deposit ratio of 121.80% is well above the 80.84% median for banks in the $100M-1B asset tier, a gap of 40.96 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $135.6M |
| Net loans and leases | $135.1M |
| Loans held for sale | $0 |
| Loans to total assets | 84.21% |
| Loan-to-deposit ratio | 121.80% |
| Net loans to equity capital | 6.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.45% |
| Multifamily (5+ residential) | 0.90% |
| Commercial and industrial | 0.00% |
| Consumer | 0.04% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 86.19% |
| Construction concentration (Tier 1 capital + allowance) | 69.28% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.70% |
| Interest income on loans | $1.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $97.1M | $92.1M | 4.62% | 0.00% | 0.06% |
| Q4 2023 | $101.1M | $90.9M | 4.38% | 0.00% | 0.05% |
| Q1 2024 | $105.8M | $96.8M | 4.70% | 0.00% | 0.08% |
| Q2 2024 | $109.2M | $95.1M | 5.03% | 0.00% | 0.07% |
| Q3 2024 | $111.7M | $94.7M | 4.85% | 0.00% | 0.06% |
| Q4 2024 | $113.4M | $95.7M | 5.22% | 0.00% | 0.06% |
| Q1 2025 | $117.5M | $97.1M | 4.96% | 0.00% | 0.26% |
| Q2 2025 | $119.0M | $96.1M | 4.99% | 0.00% | 0.24% |
| Q3 2025 | $122.2M | $100.7M | 5.35% | 0.00% | 0.19% |
| Q4 2025 | $128.4M | $102.3M | 4.91% | 0.00% | 0.18% |
| Q1 2026 | $130.8M | $106.5M | 4.69% | 0.00% | 0.05% |
| Q2 2026 | $135.6M | $111.3M | 4.45% | 0.00% | 0.04% |
Belmont Savings Bank, SSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Belmont Savings Bank, SSB, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Belmont Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28035) · FFIEC NIC profile (RSSD 919773)