BELMONT SAVINGS BANK, SSB

BELMONT, NC · Supervised by FDIC

Est. 1915FDIC #28,035RSSD: FDIC-28035

Satisfactory

Current rating · Exam: August 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.45%

Is this bank safe?

BELMONT SAVINGS BANK, SSB holds a Satisfactory CRA rating (2021), meets basic financial requirements (ROA +0.45%).

Institution Profile

FDIC BankFind

Website

www.belmontsavingsbank.com

Address

210 Park St, BELMONT, NC

County

Gaston County

Established

January 1, 1915

Total Assets

$156M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2021

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Aug 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$156M

Total Deposits

$106M

Net Loans

$130M

Net Income

$172K

ROA

0.45%

Above avg for Small banks. Peer avg: 0.44%

ROE

3.61%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.45%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate8.57%Peer avg: 6.90%▲ More than avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$96M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	70	78.57%	8.57%
2023	42	88.1%	4.76%
2022	83	83.13%	6.02%
2021	90	93.33%	4.44%
2020	95	89.47%	5.26%
2019	65	93.85%	0.00%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

This is the only examination on record for this bank.

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