Institution Statistics
| Belmont Bank & Trust Company | | FDIC Certificate # | 58165 | | BankRate Report | View | | Year Established | 2006 | | Employees | 21 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $177.48 million | | Loans | $120.18 million | | Deposits | $157.77 million | | Equity Capital | $19.08 million | | Loan Loss Allowance | $3.32 million | | Unbacked Noncurrent Loans | $4.90 million | | Real Estate Owned | $945,000 |
Historic Data - December 2010 | | Assets | $157.23 million | | Equity Capital | $16.33 million | | Loan Loss Allowance | $1.84 million | | Unbacked Noncurrent Loans | $1.74 million | | Real Estate Owned | $1.13 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.94% | | Return on Assets | 0.6% | | Return on Equity | 5.7% | | Interest Income | $7.74 million |
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Institution Health
Overall Score:
4 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Belmont Bank & Trust Company had $5.84 million in non-current loans and owned real-estate with $22.4 million in equity and loan loss allowances on hand to cover it. This gives Belmont Bank & Trust Company a Texas Ratio of 26.10% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Belmont Bank & Trust Company increased slightly from 15.78% as of December 31, 2010 to 26.10% as of December 31, 2011, resulting in a negative change of 65.39%. This indicates that the balance sheet and financial strength for Belmont Bank & Trust Company has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Belmont Bank & Trust Company has increased its total deposits by $18.8 million, resulting in 13.53% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Belmont Bank & Trust Company has shown is excellent. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Belmont Bank & Trust Company has $177.48 million in assets with $22.4 million in equity, resulting in a capitalization level of 12.62%, which is excellent. |
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