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Belmont Savings Bank
Bellaire, OH · FDIC Certificate #28348 · Chartered 01/0
Total assets
$612.93M
Total deposits
$496.68M
Total equity
$65.66M
Net loans
$370.56M
Branches (offices)
4
Net income (YTD)
$1.08M
Rank: #1,534 of 4,213 U.S. banks by assets · #47 of 155 in Ohio. Assets changed 13.1% and deposits 14.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.36% |
| Return on equity | 3.35% |
| Net interest margin (YTD) | 2.30% |
| Equity to assets | 10.71% |
| Tier 1 leverage ratio | 13.63% |
| Uninsured deposits (share of deposits) | 8.1% |
| Noncurrent loans (share of loans) | 1.67% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 74.6% |
| Real estate loans (share of loans) | 86.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $321.58M | 86.8% | |
| Commercial & industrial | $30.62M | 8.3% | |
| Consumer / individual | $16.33M | 4.4% | |
| Construction & development | $5.20M | 1.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $417.73M | $340.32M | $1.68M | $57.99M |
| Jun 2023 | $449.38M | $328.01M | $1.13M | $56.02M |
| Jun 2024 | $501.22M | $355.75M | $778.00K | $57.45M |
| Jun 2025 | $542.17M | $434.07M | $909.00K | $59.70M |
| Jun 2026 | $612.93M | $496.68M | $1.08M | $65.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $496.68M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $496.68M.
Similar-sized banks
Madison County Bank ($613.17M) · Avb Bank ($612.34M)
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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