BlastPoint's Banking Scorecard
Belmont Savings Bank, SSB
Micro
Specialty: Mortgage
NC
FDIC cert 28035
Designations: ✓ Community bank ✓ Mutual
Belmont, NC
2498
banks in Micro tier nationally
18 in NC
View Micro leaderboard (NC) →
Belmont Savings Bank, SSB faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.89% below tier
- - Net Interest Margin 1.40% below tier
- - Loan-to-Deposit Ratio 50.48% above tier
- - Non-Interest-Bearing Deposit Share 17.46% below tier
- - Non-Interest Income / Assets 0.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$151.3M
+13.0% YoY
+3.7% QoQ
|
-$66.2M |
$217.5M
+2.3% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$127.9M
+13.2% YoY
+5.0% QoQ
|
-$11.3M |
$139.2M
+2.8% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$102.3M
+7.0% YoY
+1.6% QoQ
|
-$81.3M |
$183.7M
+1.8% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
0.19%
+196.2% YoY
+65.7% QoQ
|
-0.89% |
1.08%
+14.7% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.45%
+17.8% YoY
+1.6% QoQ
|
-1.40% |
3.85%
+6.6% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
87.19%
-20.8% YoY
-4.2% QoQ
|
+19.46% |
67.73%
-4.8% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
0.54%
+147.2% YoY
-22.6% QoQ
|
-0.10% |
0.64%
+24.4% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
125.00%
+5.9% YoY
+3.4% QoQ
|
+50.48% |
74.53%
+0.5% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.93%
-6.5% YoY
-30.0% QoQ
|
-17.46% |
22.39%
-1.3% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.45%
+147.7% YoY
-21.6% QoQ
|
0 |
0.45%
+25.1% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.05%
-9.2% YoY
+32.6% QoQ
|
-0.51% |
0.56%
+0.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Return on Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.19%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.45%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
125.00%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
4.93%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
0.05%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
53
53th pctile
Total Loans
Current: $127.9M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.64%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
38
38th pctile
Total Assets
Current: $151.3M · Tier avg: $217.5M
29
29th pctile
Total Deposits
Current: $102.3M · Tier avg: $183.7M
11
11th pctile
Efficiency Ratio
Current: 87.19% · Tier avg: 67.73%
10
10th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.08%
5
5th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.85%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.93% · Tier avg: 22.39%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
1
1th pctile
Loan-to-Deposit Ratio
Current: 125.00% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 125.00% · Tier avg: 74.53%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.93% · Tier avg: 22.39%
5
5th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.85%
10
10th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.08%
11
11th pctile
Efficiency Ratio
Current: 87.19% · Tier avg: 67.73%
29
29th pctile
Total Deposits
Current: $102.3M · Tier avg: $183.7M
38
38th pctile
Total Assets
Current: $151.3M · Tier avg: $217.5M
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Total Loans
Current: $127.9M · Tier avg: $139.2M