Total Assets
$151M
Total balance-sheet footings
FDIC Cert #28035 · Belmont, North Carolina · Est. 1915
Belmont Savings Bank, SSB - FDIC Bank Health Profile
A community-scale look at Belmont Savings Bank, SSB's own numbers, pulled straight from its quarterly FDIC Call Report.
- $151M
- Total assets
- C
- Health grade · Fair
- 0.19%
- Return on assets
- 13.5%
- Tier 1 capital
Data updated July 2026
The verdict
Belmont Savings Bank, SSB earns a PlainBankData health grade of C (62/100), with well-capitalized at 13.49% Tier 1, 0.19% ROA, 87% efficiency ratio.
- #3,341
- largest of 4,313 FDIC banks by assets
- 23rd
- percentile by asset size, nationally
- 13.49%
- Tier 1 ratio - above the 10% well-capitalized line
- 8th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Belmont Savings Bank, SSB's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Belmont Savings Bank, SSB's composite health score
Tier 1 Capital Ratio (13.49%) 35/40
Return on Assets (ROA) (0.19%) 7/25
Texas Ratio (3.52%) 20/20
Efficiency Ratio (87.19%) 0/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$102M
Customer-funded liabilities
Net Loans
$128M
Outstanding loan book
Net Income
$274K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Belmont Savings Bank, SSB ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Belmont Savings Bank, SSB's score of 62/100 falls in the highlighted band.
Belmont Savings Bank, SSB'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, SSB's $151M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.49% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.49%
Texas Ratio
3.52%
Equity Capital
$19M
Profitability metrics
Return on Assets (ROA)
8th percentile nationally
0.19%
Return on Equity (ROE)
1.47%
Efficiency Ratio
87.19%
What the numbers say about Belmont Savings Bank, SSB
Belmont Savings Bank, SSB is an FDIC-insured institution (Certificate #28035) headquartered in Belmont, North Carolina, established in 1915. It holds $151M in total assets - 3,341st of 4,313 FDIC-insured banks, $102M in customer deposits, and $128M in net loans. Capital-wise, the Tier 1 ratio sits at 13.49%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 3.52%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (62 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Belmont Savings Bank, SSB is a community-scale institution -- 30th of 38 FDIC-insured banks headquartered in North Carolina by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$7M
Interest Income
$77K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Belmont Savings Bank, SSB reports a Texas Ratio of 3.52% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.52% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in North Carolina by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Belmont Savings Bank, SSB (FDIC Cert #28035) - 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.
Other banks in North Carolina
All North Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bank of America, National AssociationCharlotte | $2.64T | A | 1.15% |
| Truist BankCharlotte | $539.5B | A | 1.04% |
| First-Citizens Bank & Trust CompanyRaleigh | $229.3B | B | 1.00% |
| Live Oak Banking CompanyWilmington | $15.1B | C | 0.82% |
| First BankSouthern Pines | $12.7B | A | 0.94% |
| Southern Bank and Trust CompanyMount Olive | $5.2B | A | 1.19% |
| HomeTrust BankAsheville | $4.5B | A | 1.43% |
| The Fidelity BankFuquay Varina | $4.4B | A | 1.74% |
Frequently asked questions
What is Belmont Savings Bank, SSB's health grade?▼
Belmont Savings Bank, SSB receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Belmont Savings Bank, SSB?▼
Belmont Savings Bank, SSB holds $151M in total assets and $102M in deposits, ranking 3,341st of 4,313 FDIC-insured banks by asset size. It is headquartered in Belmont, North Carolina.
Is my money safe at Belmont Savings Bank, SSB?▼
Yes, deposits at Belmont Savings Bank, SSB (Certificate #28035) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Belmont Savings Bank, SSB's Tier 1 Capital Ratio?▼
Belmont Savings Bank, SSB has a Tier 1 Capital Ratio of 13.49%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Belmont Savings Bank, SSB?▼
Belmont Savings Bank, SSB has a Texas Ratio of 3.52%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Belmont Savings Bank, SSB?▼
Belmont Savings Bank, SSB has an Efficiency Ratio of 87.19%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Belmont Savings Bank, SSB's profile as a depositor or analyst.
- Belmont Savings Bank, SSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Belmont Savings Bank, SSB against other North Carolina banks before moving funds. North Carolina banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.