TellerScore

Belmont Savings Bank is a state-chartered bank headquartered in Bellaire, Ohio, in business for about 140 years. At the end of Q2 2026 it reported $612.9M in total assets and $496.7M in deposits, with 4 offices.

Belmont Savings Bank has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 102nd. Capital cushion contributes the most (86/100, 13.63%); earnings contributes the least (35/100, 0.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion86/100
Tier 1 leverage ratio: 13.63%
Loan quality44/100
Noncurrent loans ÷ total loans: 1.67%
Earnings35/100
Return on assets (annualized): 0.36%
Funding & liquidity86/100
Loans ÷ deposits and uninsured-deposit share: 74.6% · 8.1% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.05%

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 5 points (70 → 65), mostly because the capital cushion component weakened by 14 points.

TellerScore
657074Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202473
Q4 202472
Q1 202573
Q2 202570
Q3 202572
Q4 202570
Q1 202665
Q2 202665
Tier 1 leverage ratio
5.00%10.86%16.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.72%
Q3 202416.21%
Q4 202415.98%
Q1 202516.00%
Q2 202515.66%
Q3 202515.31%
Q4 202514.95%
Q1 202614.35%
Q2 202613.63%
Noncurrent loans
0.97%1.38%1.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.97%
Q3 20240.97%
Q4 20241.09%
Q1 20251.05%
Q2 20251.40%
Q3 20251.25%
Q4 20251.37%
Q1 20261.79%
Q2 20261.67%
Return on assets
0.22%0.31%0.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.32%
Q3 20240.34%
Q4 20240.32%
Q1 20250.26%
Q2 20250.34%
Q3 20250.40%
Q4 20250.22%
Q1 20260.30%
Q2 20260.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$612.9M13.63%1.67%0.36%74.6%
Q1 202665$592.9M14.35%1.79%0.30%75.6%
Q4 202570$583.4M14.95%1.37%0.22%76.4%
Q3 202572$552.8M15.31%1.25%0.40%80.2%
Q2 202570$542.2M15.66%1.40%0.34%80.0%
Q1 202573$527.6M16.00%1.05%0.26%78.8%
Q4 202472$515.6M15.98%1.09%0.32%81.9%
Q3 202473$519.2M16.21%0.97%0.34%84.2%
Q2 202474$501.2M16.72%0.97%0.32%82.1%

2,650 peers · $100 million – $1 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).

Capital ratio13.63%
80th
Total risk-based capital0.00%
24th
Problem loans1.67%
16th
Net charge-offs0.02%
41st
Return on assets0.36%
9th
Net interest margin2.30%
2nd
Efficiency ratio77.9%
16th
Loans to deposits74.6%
61st
Uninsured deposits8.1%
96th
Loan-loss reserves0.86%
15th
Texas ratio9.1%
20th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
The Andover BankBank Andover, OH72 out of 100, Strong$595.1M9.6%0.26%vs
Kingston National BankBank Kingston, OH66 out of 100, Moderate$586.3M9.2%0.27%vs
Greenville National BankBank Greenville, OH86 out of 100, Very strong$641.5M13.0%0.05%vs
First Federal Savings and Loan Association of LorainBank Lorain, OH60 out of 100, Moderate$573.8M10.4%0.41%vs
Buckeye State BankBank Powell, OH60 out of 100, Moderate$569.2M8.2%0.30%vs
Portage Community BankBank Ravenna, OH74 out of 100, Strong$552.2M10.8%0.27%vs

Deposit insurance

Is my money safe at Belmont Savings Bank?

Yes. Belmont Savings Bank is an FDIC-insured institution (FDIC certificate #28348). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 8.1% of deposits ($40.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.63%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Belmont Savings Bank lists 4 offices in 4 cities. Most locations:

  • Barnesville, OH (1)
  • Bellaire, OH (1)
  • Powhatan Point, OH (1)
  • St. Clairsville, OH (1)

All branch addresses and map

Identity & history

Profile

Legal name
Belmont Savings Bank
Former names
Belmont Federal Savings and Loan Association
Type
State-chartered bank
FDIC certificate #
28348
RSSD ID
72678
Primary regulator
FDIC
Established
January 1, 1886
Headquarters
426 34th Street, Bellaire, OH 43906
Employees
54

Quick answers

Belmont Savings Bank: common questions

Is Belmont Savings Bank FDIC insured?

Yes. Belmont Savings Bank is an FDIC-insured institution (FDIC certificate #28348). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Belmont Savings Bank's TellerScore?

65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Belmont Savings Bank ever failed?

There is no failure record for FDIC certificate #28348 in the FDIC failed bank list.

How many branches does Belmont Savings Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bellaire

InstitutionScoreAssetsCapitalProblem loansCompare
Marshall County Federal Credit UnionCredit union Moundsville, WV99 out of 100, Very strong$26.8M15.1%0.12%vs
First Choice America Community Federal Credit UnionCredit union Weirton, WV96 out of 100, Very strong$713.9M18.1%0.15%vs
Ibew 141 Federal Credit UnionCredit union Saint Clairsvil, OH90 out of 100, Very strong$1.3M19.6%0.00%vs
Natrium Employees Federal Credit UnionCredit union Proctor, WV83 out of 100, Strong$12.0M12.4%0.78%vs
Eagle Can Employees Federal Credit UnionCredit union Wellsburg, WV80 out of 100, Strong$455K32.2%1.18%vs
Southeastern Ohio Credit UnionCredit union Cambridge, OH78 out of 100, Strong$65.4M12.1%1.03%vs