Belmont Savings Bank, SSB is a si headquartered in Belmont, North Carolina, in business for about 111 years. At the end of Q2 2026 it reported $161.0M in total assets and $111.3M in deposits, with 1 office.
Based on its Q2 2026 filing, Belmont Savings Bank, SSB scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 38 banks headquartered in North Carolina, it ranks 24th. Its strongest component is problem-loan coverage (95/100; 2.5%), and its lowest is earnings (38/100; 0.45%).
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 rose 5 points (64 → 69), mostly because the loan quality component improved by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 68 |
| Q4 2024 | 69 |
| Q1 2025 | 70 |
| Q2 2025 | 64 |
| Q3 2025 | 67 |
| Q4 2025 | 65 |
| Q1 2026 | 67 |
| Q2 2026 | 69 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.25% |
| Q3 2024 | 14.61% |
| Q4 2024 | 14.64% |
| Q1 2025 | 14.18% |
| Q2 2025 | 14.31% |
| Q3 2025 | 14.70% |
| Q4 2025 | 13.49% |
| Q1 2026 | 12.94% |
| Q2 2026 | 12.88% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.24% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.22% |
| Q1 2025 | 0.25% |
| Q2 2025 | 0.92% |
| Q3 2025 | 0.69% |
| Q4 2025 | 0.53% |
| Q1 2026 | 0.55% |
| Q2 2026 | 0.37% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.37% |
| Q3 2024 | -0.33% |
| Q4 2024 | -0.20% |
| Q1 2025 | 0.13% |
| Q2 2025 | 0.19% |
| Q3 2025 | 0.12% |
| Q4 2025 | 0.19% |
| Q1 2026 | 0.45% |
| Q2 2026 | 0.45% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $161.0M | 12.88% | 0.37% | 0.45% | 121.4% |
| Q1 2026 | 67 | $155.6M | 12.94% | 0.55% | 0.45% | 122.4% |
| Q4 2025 | 65 | $151.3M | 13.49% | 0.53% | 0.19% | 125.0% |
| Q3 2025 | 67 | $145.9M | 14.70% | 0.69% | 0.12% | 120.9% |
| Q2 2025 | 64 | $139.0M | 14.31% | 0.92% | 0.19% | 123.4% |
| Q1 2025 | 70 | $139.6M | 14.18% | 0.25% | 0.13% | 120.5% |
| Q4 2024 | 69 | $133.8M | 14.64% | 0.22% | -0.20% | 118.1% |
| Q3 2024 | 68 | $134.5M | 14.61% | 0.21% | -0.33% | 117.5% |
| Q2 2024 | 69 | $130.7M | 15.25% | 0.24% | -0.37% | 114.5% |
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).
Similar-size banks in North Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| New Republic BankBank Roanoke Rapids, NC | 92 out of 100, Very strong | $176.3M | 15.8% | 0.15% | vs |
| Morganton Savings Bank, S.S.B.Bank Morganton, NC | 81 out of 100, Strong | $114.5M | 25.5% | 0.21% | vs |
| American Bank of the CarolinasBank Monroe, NC | 80 out of 100, Strong | $214.0M | 12.3% | 0.00% | vs |
| Taylorsville Savings Bank, SSBBank Taylorsville, NC | 63 out of 100, Moderate | $232.4M | 8.1% | 0.40% | vs |
| First Federal BankBank Dunn, NC | 59 out of 100, Moderate | $275.6M | 9.2% | 0.47% | vs |
| Nantahala Bank & Trust CompanyBank Franklin, NC | 73 out of 100, Strong | $288.8M | 9.4% | 0.32% | vs |
Deposit insurance
Is my money safe at Belmont Savings Bank, SSB?
Yes. Belmont Savings Bank, SSB is an FDIC-insured institution (FDIC certificate #28035). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.8% of deposits ($24.3M) 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 12.88%, 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%).
1 location
Branches
Belmont Savings Bank, SSB lists 1 office in 1 city. Most locations:
- Belmont, NC (1)
Identity & history
Profile
- Legal name
- Belmont Savings Bank, SSB
- Former names
- Belmont Federal Savings and Loan Association
- Type
- SI
- FDIC certificate #
- 28035
- RSSD ID
- 919773
- Primary regulator
- FDIC
- Established
- January 1, 1915
- Headquarters
- 210 Park St, Belmont, NC 28012
- Website
- www.belmontsavingsbank.com
- Employees
- 12
Quick answers
Belmont Savings Bank, SSB: common questions
Is Belmont Savings Bank, SSB FDIC insured?
Yes. Belmont Savings Bank, SSB is an FDIC-insured institution (FDIC certificate #28035). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Belmont Savings Bank, SSB's TellerScore?
69 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, SSB ever failed?
There is no failure record for FDIC certificate #28035 in the FDIC failed bank list.
How many branches does Belmont Savings Bank, SSB have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Belmont
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cedar Hill National BankBank Charlotte, NC | 93 out of 100, Very strong | $16.0M | 67.6% | 0.00% | vs |
| Members Credit UnionCredit union Winston Salem, NC | 85 out of 100, Very strong | $477.1M | 14.8% | 0.82% | vs |
| Bank of YorkBank York, SC | 83 out of 100, Strong | $317.7M | 12.9% | 0.86% | vs |
| American Bank of the CarolinasBank Monroe, NC | 80 out of 100, Strong | $214.0M | 12.3% | 0.00% | vs |
| Nova Credit UnionCredit union Charlotte, NC | 79 out of 100, Strong | $120.7M | 17.6% | 0.56% | vs |
| Carolinas Telco Federal Credit UnionCredit union Charlotte, NC | 79 out of 100, Strong | $506.3M | 15.1% | 0.91% | vs |