Side-by-side · Q2 2026 data
Bank of Pontiac vs Belmont Bank & Trust Company
Metric by metric
| Measure | Bank of Pontiac | Belmont Bank & Trust Company |
|---|---|---|
| TellerScore | 72 | 75 (stronger) |
| Capital cushion | 54 | 69 (stronger) |
| Loan quality | 91 (stronger) | 86 |
| Earnings | 71 | 77 (stronger) |
| Funding & liquidity | 58 (stronger) | 51 |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 66th | 77th |
| Total assets | $1.2B | $1.1B |
| Deposits / shares | $1.0B | $925.1M |
| Capital ratio | 10.35% | 11.87% (stronger) |
| Problem loans | 0.27% (stronger) | 0.41% |
| Net charge-offs | 0.30% | 0.02% (stronger) |
| Return on assets | 1.28% | 1.41% (stronger) |
| Loans ÷ deposits | 82.9% | 80.3% (stronger) |
| Uninsured deposits | 32.6% (stronger) | 40.4% |
| Offices | 13 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.3% | — |
Belmont Bank & Trust Company has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Bank of Pontiac leads on 2 and Belmont Bank & Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.