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Belmont Savings Bank, SSB
Belmont, NC · FDIC Certificate #28035 · Chartered 01/0
Total assets
$161.05M
Total deposits
$111.34M
Total equity
$19.38M
Net loans
$135.13M
Branches (offices)
1
Net income (YTD)
$354.00K
Rank: #3,221 of 4,213 U.S. banks by assets · #30 of 38 in North Carolina. Assets changed 15.8% and deposits 15.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.45% |
| Return on equity | 3.69% |
| Net interest margin (YTD) | 2.72% |
| Equity to assets | 12.03% |
| Tier 1 leverage ratio | 12.88% |
| Uninsured deposits (share of deposits) | 21.8% |
| Noncurrent loans (share of loans) | 0.37% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 121.4% |
| Real estate loans (share of loans) | 101.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $136.56M | 101.1% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $58.00K | 0.0% | |
| Construction & development | $14.42M | 10.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $114.47M | $95.24M | $212.00K | $18.94M |
| Jun 2023 | $114.59M | $85.37M | $37.00K | $18.85M |
| Jun 2024 | $130.72M | $95.05M | -$232.00K | $18.53M |
| Jun 2025 | $139.02M | $96.07M | $129.00K | $18.54M |
| Jun 2026 | $161.05M | $111.34M | $354.00K | $19.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $111.34M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $111.34M.
Similar-sized banks
Community State Bank ($161.19M) · First Neighborhood Bank ($161.00M)
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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