BlastPoint's Banking Scorecard
Belmont Bank & Trust Company
Community
Specialty: Commercial
IL
FDIC cert 58165
Chicago, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Belmont Bank & Trust Company faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 47% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+8.6% YoY
+2.8% QoQ
|
-$370.5M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$734.6M
+4.0% YoY
-0.5% QoQ
|
-$240.8M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$895.6M
+7.9% YoY
+2.6% QoQ
|
-$269.0M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
1.43%
+15.6% YoY
+3.3% QoQ
|
+0.27% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
4.05%
+9.9% YoY
+1.4% QoQ
|
+0.39% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
49.62%
-7.2% YoY
-1.4% QoQ
|
-13.02% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? |
0.55%
+80.2% QoQ
|
-0.07% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
82.03%
-3.6% YoY
-3.1% QoQ
|
-1.03% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
23.47%
-4.0% YoY
+1.9% QoQ
|
+2.42% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.40%
+74.4% QoQ
|
-0.10% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
14.88%
-4.0% YoY
-1.3% QoQ
|
+4.64% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.24%
+9.4% YoY
+30.8% QoQ
|
-0.50% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#300 of 642 · Bottom 47% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
84
84th pctile
Efficiency Ratio
Current: 49.62% · Tier avg: 62.63%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.88% · Tier avg: 10.24%
73
73th pctile
Net Interest Margin
Current: 4.05% · Tier avg: 3.66%
70
70th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.16%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.47% · Tier avg: 21.05%
57
57th pctile
Loan-to-Deposit Ratio
Current: 82.03% · Tier avg: 83.06%
53
53th pctile
Total Deposits
Current: $895.6M · Tier avg: $1.2B
52
52th pctile
Total Loans
Current: $734.6M · Tier avg: $975.5M
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
45
45th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.50%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.63%
16
16th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.74%
Top Weaknesses
16
16th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.74%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.63%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.50%
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
52
52th pctile
Total Loans
Current: $734.6M · Tier avg: $975.5M
53
53th pctile
Total Deposits
Current: $895.6M · Tier avg: $1.2B
57
57th pctile
Loan-to-Deposit Ratio
Current: 82.03% · Tier avg: 83.06%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.47% · Tier avg: 21.05%
70
70th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.16%
73
73th pctile
Net Interest Margin
Current: 4.05% · Tier avg: 3.66%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.88% · Tier avg: 10.24%
84
84th pctile
Efficiency Ratio
Current: 49.62% · Tier avg: 62.63%