BlastPoint's Banking Scorecard
Belmont Savings Bank
Community
Specialty: Other
OH
FDIC cert 28348
Designations: ✓ Mutual
Bellaire, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
Belmont Savings Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 28% in Community
- - Return on Assets 0.94% below tier
- - Net Interest Margin 1.30% below tier
- - Non-Interest-Bearing Deposit Share 16.93% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$583.4M
+13.1% YoY
+5.5% QoQ
|
-$808.1M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$358.7M
+14.2% YoY
+1.6% QoQ
|
-$616.8M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$469.5M
+22.4% YoY
+6.6% QoQ
|
-$695.1M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
0.22%
-30.0% YoY
-43.6% QoQ
|
-0.94% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
2.36%
+6.8% YoY
-0.0% QoQ
|
-1.30% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
86.90%
+6.6% YoY
+11.1% QoQ
|
+24.26% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
1.38%
+26.0% YoY
+9.7% QoQ
|
+0.75% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
76.39%
-6.7% YoY
-4.7% QoQ
|
-6.67% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
4.11%
+2.7% YoY
-5.7% QoQ
|
-16.93% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
1.01%
+50.5% YoY
+3.7% QoQ
|
+0.51% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.22%
-6.9% YoY
+28.0% QoQ
|
-0.52% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Efficiency Drag
risk
#44 of 152 · Bottom 28% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
86.90%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
Return on Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.22%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 4%
in Community
Why this stands out
Current:
2.36%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Community
Why this stands out
Current:
4.11%
(Tier avg: 21.05%, National avg: 21.79%)
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
69
69th pctile
Loan-to-Deposit Ratio
Current: 76.39% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
20
20th pctile
Nonperforming Asset Ratio
Current: 1.01% · Tier avg: 0.50%
18
18th pctile
Delinquency Rate
Current: 1.38% · Tier avg: 0.63%
13
13th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
12
12th pctile
Total Assets
Current: $583.4M · Tier avg: $1.4B
9
9th pctile
Total Loans
Current: $358.7M · Tier avg: $975.5M
8
8th pctile
Total Deposits
Current: $469.5M · Tier avg: $1.2B
5
5th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.16%
5
5th pctile
Efficiency Ratio
Current: 86.90% · Tier avg: 62.63%
4
4th pctile
Net Interest Margin
Current: 2.36% · Tier avg: 3.66%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 4.11% · Tier avg: 21.05%
Top Weaknesses
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 4.11% · Tier avg: 21.05%
4
4th pctile
Net Interest Margin
Current: 2.36% · Tier avg: 3.66%
5
5th pctile
Efficiency Ratio
Current: 86.90% · Tier avg: 62.63%
5
5th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.16%
8
8th pctile
Total Deposits
Current: $469.5M · Tier avg: $1.2B
9
9th pctile
Total Loans
Current: $358.7M · Tier avg: $975.5M
12
12th pctile
Total Assets
Current: $583.4M · Tier avg: $1.4B
13
13th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
18
18th pctile
Delinquency Rate
Current: 1.38% · Tier avg: 0.63%
20
20th pctile
Nonperforming Asset Ratio
Current: 1.01% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
69
69th pctile
Loan-to-Deposit Ratio
Current: 76.39% · Tier avg: 83.06%