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BDI
BS

Belmont Savings Bank, SSB

Belmont, North CarolinaFDIC Cert #28035

STATEEstablished 19151 branch

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$3.86M
Investor CRE$2.33M
Multifamily$1.24M
Construction$14.6M
1–4 family$110M
C&I$0
Agriculture$0
Other

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$131M
+11.3%y/y
Percentile by value58th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNLSGR
Net loans
$130M
+11.3%y/y
Percentile by value58th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNLSNET
Loans YoY
+11.34%
+3.1%y/y
Percentile by value82nd percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNLSNET
L/D
122.4%
+1.6%y/y
Percentile by value97th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNLSNET + DEP
Loans/assets
83.7%
−0.1%y/y
Percentile by value88th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNLSNET + ASSET
RE loans %
109.68%
+2.1%y/y
Percentile by value97th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
7,258points
−7.1%y/y
Peer standing25th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
2.95%
+1,880.2%y/y
Percentile by value41st percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNRENROW + LNLSGR
Investor CRE %
1.78%
−63.3%y/y
Percentile by value35th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNRENROT + LNLSGR
C&I %
0.00%
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNCI + LNLSGR