Belmont Savings Bank, SSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Belmont Savings Bank, SSB of Belmont, NC against its peer group of 2603 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 | 0.46% | 1.35% | -0.89% | 12th bottom |
| ROAE | 3.78% | 13.32% | -9.54% | 11th bottom |
| Net Interest Margin | 2.75% | 3.93% | -1.18% | 6th bottom |
| Efficiency Ratio | 75.65% | 61.13% | +14.52% | 18th bottom |
| PPNR / Avg Assets | 0.63% | 1.68% | -1.05% | 11th bottom |
| Yield on Earning Assets | 5.43% | 5.67% | -0.24% | 41st below |
| Cost of Funds | 2.78% | 1.88% | +0.90% | 9th bottom |
| Net Interest Spread | 2.37% | 3.32% | -0.95% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.72% | 0.94% | +0.78% | 15th bottom |
| NPA / Total Assets | 1.45% | 0.70% | +0.75% | 12th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.35% | 1.28% | -0.93% | 1st bottom |
| ACL / NPLs (Coverage) | 20.53% | 1546.38% | -1525.85% | 1st bottom |
| Texas Ratio | 11.78% | 7.34% | +4.44% | 18th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.88% | 12.14% | +0.74% | 74th above |
| Equity / Assets | 12.03% | 11.36% | +0.67% | 71st above |
| TCE / Tangible Assets | 12.03% | 11.08% | +0.95% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 121.80% | 80.66% | +41.14% | 1st bottom |
| Core Deposit Ratio | 73.10% | 86.85% | -13.75% | 7th bottom |
| Wholesale Funding Ratio | 18.57% | 5.03% | +13.54% | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.84% | 6.84% | +9.00% | 92nd top |
| Loan Growth (Y/Y) | 13.95% | 7.92% | +6.03% | 84th top |
| Deposit Growth (Y/Y) | 15.89% | 6.29% | +9.60% | 92nd top |
See Belmont Savings Bank, SSB's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Belmont Savings Bank, SSB, 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 Savings Bank, SSB profile, how to read a UBPR, or how this data updates.