Headquartered in Chicago, Illinois, Belmont Bank & Trust Company is a state-chartered bank with $1.1B in total assets and $925.1M in deposits as of Q2 2026. It operates 5 offices across 2 states. Its charter dates back to 2006.
Belmont Bank & Trust Company has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 110th. Problem-loan coverage contributes the most (95/100, 2.5%); funding & liquidity contributes the least (51/100, 80% loans-to-deposits, 40% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (78 → 75), mostly because the loan quality component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 75 |
| Q4 2024 | 77 |
| Q1 2025 | 78 |
| Q2 2025 | 78 |
| Q3 2025 | 75 |
| Q4 2025 | 71 |
| Q1 2026 | 67 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.84% |
| Q3 2024 | 12.95% |
| Q4 2024 | 11.98% |
| Q1 2025 | 12.20% |
| Q2 2025 | 12.40% |
| Q3 2025 | 11.69% |
| Q4 2025 | 11.13% |
| Q1 2026 | 11.49% |
| Q2 2026 | 11.87% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.44% |
| Q3 2024 | 0.42% |
| Q4 2024 | 0.03% |
| Q1 2025 | 0.10% |
| Q2 2025 | 0.16% |
| Q3 2025 | 0.30% |
| Q4 2025 | 0.55% |
| Q1 2026 | 1.11% |
| Q2 2026 | 0.41% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.22% |
| Q3 2024 | 1.23% |
| Q4 2024 | 1.24% |
| Q1 2025 | 1.35% |
| Q2 2025 | 1.37% |
| Q3 2025 | 1.39% |
| Q4 2025 | 1.43% |
| Q1 2026 | 1.44% |
| Q2 2026 | 1.41% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $1.1B | 11.87% | 0.41% | 1.41% | 80.3% |
| Q1 2026 | 67 | $1.0B | 11.49% | 1.11% | 1.44% | 79.0% |
| Q4 2025 | 71 | $1.0B | 11.13% | 0.55% | 1.43% | 82.0% |
| Q3 2025 | 75 | $993.6M | 11.69% | 0.30% | 1.39% | 84.7% |
| Q2 2025 | 78 | $963.8M | 12.40% | 0.16% | 1.37% | 86.0% |
| Q1 2025 | 78 | $977.8M | 12.20% | 0.10% | 1.35% | 84.4% |
| Q4 2024 | 77 | $940.5M | 11.98% | 0.03% | 1.24% | 85.1% |
| Q3 2024 | 75 | $937.4M | 12.95% | 0.42% | 1.23% | 87.8% |
| Q2 2024 | 75 | $924.0M | 12.84% | 0.44% | 1.22% | 86.0% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Southern BankBank Marion, IL | 49 out of 100, Below average | $1.0B | 10.9% | 3.00% | vs |
| The Federal Savings BankBank Chicago, IL | 51 out of 100, Below average | $1.1B | 15.9% | 2.69% | vs |
| Cornerstone National Bank & Trust CompanyBank Palatine, IL | 70 out of 100, Strong | $1.0B | 10.4% | 0.03% | vs |
| American Community Bank & TrustBank Woodstock, IL | 64 out of 100, Moderate | $1.2B | 10.6% | 1.00% | vs |
| Bank of PontiacBank Pontiac, IL | 72 out of 100, Strong | $1.2B | 10.4% | 0.27% | vs |
| First Bankers Trust Company, National AssociationBank Quincy, IL | 57 out of 100, Moderate | $1.2B | 10.0% | 1.28% | vs |
Deposit insurance
Is my money safe at Belmont Bank & Trust Company?
Yes. Belmont Bank & Trust Company is an FDIC-insured institution (FDIC certificate #58165). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 40.4% of deposits ($374.1M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.87%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.86% (benchmark: 10%).
5 locations
Branches
Belmont Bank & Trust Company lists 5 offices in 2 cities across 2 states. Most locations:
- Chicago, IL (4)
- Coral Gables, FL (1)
Identity & history
Profile
- Legal name
- Belmont Bank & Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 58165
- RSSD ID
- 3391718
- Primary regulator
- FDIC
- Holding company
- Belmont Financial Group Inc
- Established
- June 14, 2006
- Headquarters
- 8250 W Belmont Ave, Chicago, IL 60634
- Website
- www.belmontbank.com
- Employees
- 66
Quick answers
Belmont Bank & Trust Company: common questions
Is Belmont Bank & Trust Company FDIC insured?
Yes. Belmont Bank & Trust Company is an FDIC-insured institution (FDIC certificate #58165). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Belmont Bank & Trust Company's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Belmont Bank & Trust Company ever failed?
There is no failure record for FDIC certificate #58165 in the FDIC failed bank list.
How many branches does Belmont Bank & Trust Company have?
5 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Chicago
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pilgrim Baptist Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $263K | 25.8% | 0.00% | vs |
| M.W.P.H. Grand Lodge of Illinois Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $418K | 18.5% | — | vs |
| Evergreen Park Schools Federal Credit UnionCredit union Evergreen Park, IL | 100 out of 100, Very strong | $10.0M | 19.4% | 0.00% | vs |
| Israel Methcomm Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $2.0M | 15.5% | 0.00% | vs |
| Western Springs Federal Credit UnionCredit union Western Springs, IL | 95 out of 100, Very strong | $3.9M | 18.2% | 0.46% | vs |
| St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $383K | 15.0% | 0.00% | vs |