FDIC Cert #28348 · Bellaire, Ohio · Est. 1886

Belmont Savings Bank - FDIC Bank Health Profile

A community-scale look at Belmont Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$583M
Total assets
C
Health grade · Fair
0.22%
Return on assets
14.9%
Tier 1 capital

Data updated July 2026

The verdict

Belmont Savings Bank earns a PlainBankData health grade of C (58/100), with well-capitalized at 14.95% Tier 1, 0.22% ROA, 87% efficiency ratio.

#1,610
largest of 4,313 FDIC banks by assets
63rd
percentile by asset size, nationally
14.95%
Tier 1 ratio - above the 10% well-capitalized line
9th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 28348 · OH C · 58/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (58/100)
  • BOTTOM-DECILE #3893/4307
  • PHOTO-FINISH RG Bank, A Savings a… · CO
  • TIER1-WELL 14.9% Tier 1
  • TEXAS-CLEAN 7.3% Texas
  • ROA-THIN 0.22% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: RG Bank, A Savings and Loan Association, CO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Belmont Savings Bank

Lowest and highest poles plus nearest scored peers outside Ohio, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Belmont Savings Bank · OH · …58/100Bogota Savings Bank · NJ · n…58/100First Federal Saving… · GA ·…58/100Reading Co-operative… · MA ·…58/100RG Bank, A Savings a… · CO ·…58/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Belmont Savings Bank · July 2026

Call Report read for Belmont Savings Bank in a high-failure state

Belmont Savings Bank (FDIC Cert #28348) carries a PlainBankData health grade of C at 58/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,893 of 4,307. Tier 1 capital prints at 14.95%, clearing the 10% well-capitalized line. The Texas Ratio is 7.34%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.22%. Balance-sheet scale is $583M, 1,610th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is RG Bank, A Savings and Loan Association (CO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Belmont Savings Bank

9 FAILURE resolutions in Ohio since 2000, heavy vs the state corpus

Belmont Savings Bank sits in one of the heavier post-2000 FAILURE states (9 resolutions; latest year 2019). The list below is state history from the Failed Bank List, not a claim about Belmont Savings Bank's current Call Report.

  • RESOLUTE BANK MAUMEE, OH 2019 → BUCKEYE STATE BANK
  • COLUMBIA SAVINGS BANK CINCINNATI, OH 2014 → UNITED FIDELITY BANK, FSB
  • BRAMBLE SAVINGS BANK MILFORD, OH 2010 → FOUNDATION BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Ohio banks.

How Belmont Savings Bank's 58/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10058/100
Belmont Savings Bank's composite health score
Tier 1 Capital Ratio (14.95%) 35/40
Return on Assets (ROA) (0.22%) 7/25
Texas Ratio (7.34%) 16/20
Efficiency Ratio (86.90%) 0/15

58 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$583M

Total balance-sheet footings

Total Deposits

$469M

Customer-funded liabilities

Net Loans

$359M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.55% 14.95% 16.35%
Basel III capital ratios - Belmont Savings Bank

Where Belmont Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Belmont Savings Bank's score of 58/100 falls in the highlighted band.

Belmont Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

58 10th percentile higher than 10% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Belmont Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Belmont Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Belmont Savings Bank's $583M falls in the highlighted band.

Capital & credit buffers at Belmont Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

14.95% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.95%
Texas Ratio
7.34%
Equity Capital
$65M

What these ratios mean →

Profitability metrics: Belmont Savings Bank

Return on Assets (ROA)
9th percentile nationally
0.22%
Return on Equity (ROE)
1.98%
Efficiency Ratio
86.90%

What these mean →

Income & expense at Belmont Savings Bank

$25M
Interest Income
$1M
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Belmont Savings Bank reports a Texas Ratio of 7.34% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.34% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Belmont Savings Bank on FDIC BankFind →

Top banks in Ohio by total assets

Largest banks headquartered in Ohio
  1. 1
    JPMorgan Chase Bank $3.75T

    Columbus, OH · Grade A

  2. 2
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  3. 3
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

  4. 4
    Fifth Third Bank $213.7B

    Cincinnati, OH · Grade A

  5. 5
    KeyBank $181.7B

    Cleveland, OH · Grade A

Top 5 banks in Ohio ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($583M here), outside Ohio so the neighborhood is not state containment.

First Port City Bank $583M · GA North Shore Bank of Commerce $583M · MN First Bank of Owasso $584M · OK The Bank and Trust, S.S.B. $585M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Belmont Savings Bank (FDIC Cert #28348) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Belmont Savings Bank Call Report profile · FDIC Failed Bank List · Ohio FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Ohio

All Ohio banks →
BankAssetsGradeROA
JPMorgan Chase Bank, National AssociationColumbus $3.75T A 1.34%
U.S. Bank National AssociationCincinnati $676.1B A 1.18%
The Huntington National BankColumbus $224.0B A 1.20%
Fifth Third Bank, National AssociationCincinnati $213.7B A 1.34%
KeyBank National AssociationCleveland $181.7B A 1.17%
First Financial BankCincinnati $21.0B A 1.53%
Third Federal Savings and Loan Association of ClevelandCleveland $17.5B A 0.51%
The Park National BankNewark $9.7B A 1.90%