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Belmont Bank & Trust Company
Chicago, IL · FDIC Certificate #58165 · Chartered 06/1
Total assets
$1.05B
Total deposits
$925.12M
Total equity
$113.64M
Net loans
$742.92M
Branches (offices)
5
Net income (YTD)
$7.31M
Rank: #1,004 of 4,213 U.S. banks by assets · #52 of 322 in Illinois. Assets changed 9.0% and deposits 9.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.41% |
| Return on equity | 13.30% |
| Net interest margin (YTD) | 4.04% |
| Equity to assets | 10.82% |
| Tier 1 leverage ratio | 11.87% |
| Uninsured deposits (share of deposits) | 40.4% |
| Noncurrent loans (share of loans) | 0.41% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 80.3% |
| Real estate loans (share of loans) | 70.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $526.46M | 70.9% | |
| Commercial & industrial | $221.41M | 29.8% | |
| Consumer / individual | $223.00K | 0.0% | |
| Construction & development | $43.45M | 5.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $905.15M | $819.48M | $6.42M | $82.34M |
| Jun 2023 | $885.57M | $761.21M | $6.96M | $91.53M |
| Jun 2024 | $923.96M | $790.19M | $5.60M | $104.77M |
| Jun 2025 | $963.79M | $844.49M | $6.58M | $110.11M |
| Jun 2026 | $1.05B | $925.12M | $7.31M | $113.64M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $880.05M | 4 |
| Florida | $45.07M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $925.12M.
Similar-sized banks
United Bankers' Bank ($1.05B) · Cornhusker Bank ($1.05B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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