Belmont Savings Bank, SSB
Belmont, NC
IDRSSD: 919773
Total Assets
$145.90M
Latest filing
Total Deposits
$100.74M
Latest filing
Net Interest Margin
2.50%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Belmont Savings Bank, SSB
210 Park St
Belmont, NC 28012
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1915FDIC Certificate 40869
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Belmont Savings Bank, SSB (Main) | 210 Park St | Belmont, NC | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1915 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 28012 |
| State and County Number | 37071 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Charlotte-Concord-Gastonia, NC-SC |
Operational Info
| Number of Employees | 11 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.belmontsavingsbank.com |
| Data Updated | 11/14/2025 |
| CERT | 28035 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $145.90M |
| Total Deposits | $100.74M |
| Total Liabilities | $127.15M |
| Total Equity Capital | $18.75M |
| Net Income | $-7,000 |
| Net Loans and Leases | $121.79M |
| Assets Per Employee ($Millions) | $13.26M |
| Bank Premises and Fixed Assets | $2.57M |
| Cash and Balances due from Depository Institutions | $9.11M |
| Deposits Held in Domestic Offices | $100.74M |
Key Performance Ratios
| Return on Assets (ROA) | -0.02% |
| Return on Equity (ROE) | -0.15% |
| Net Interest Margin | 2.5% |
| Efficiency Ratio | 98.1% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.849% |
| Earning Assets to total Assets | 93.02% |
Income and Expense
| Total Interest Income | $1.74M |
| Total Noninterest Income | $18.00k |
| Total Interest Expense | $910.00k |
| Total Noninterest Expense | $828.00k |
| Net Interest Income | $826.00k |
| Pre-tax Net Operating Income | $29.00k |
| Provision for Credit Losses | $-13,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $26.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $408.00k |
| Total Liabilities and Capital | $145.90M |
Securities
| Securities | $7.73M |
| Available-for-sale debt securities | $7.73M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Belmont Savings Bank, SSB?
$145.90M as of the latest filing.
How much are Belmont Savings Bank, SSB's total deposits?
$100.74M in total deposits.
Where is Belmont Savings Bank, SSB located?
Belmont, NC.
What is the Net Interest Margin?
2.50%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1915.
What is the Return on Assets (ROA)?
-0.02%.
How much are total loans and leases?
$121.79M (latest filing).
What is the total interest income (latest filing)?
$1.74M.