Belmont Savings Bank (OH)
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 0.50% | 1-year CD | 12 Month CD 1.35% - Ally Bank High Yield 12-Month CD |
| 0.55% | 2-year CD | 24 Month CD 1.65% - Synchrony Bank 24 Month CD |
| 0.50% | 18-month CD | 18 Month CD 1.45% - Synchrony Bank 18 Month CD |
Belmont Savings Bank (OH) is headquartered in Bellaire and is the 45th largest bank in the state of Ohio. It is also the 1,553rd largest bank in the nation. It was established in 1886 and as of March of 2017, it had grown to 56 employees at 4 locations. Belmont Savings Bank (OH) has a B+ health rating.
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1-44 Family Mortgage Ratio As Reported.
Please note the following:
Per UBPR of 3/31/2011, Belmont Savings Bank's UBPR Report, page 9, breaks out the Bank's percentage of assets as follows: Loans net 15.91% of assets, GNMA-FNMA--FHLMC MBS Passthroughs HTM 54.99% and AFS 26.02. The PASSTHROUGHS carry the full faith and credit of the US Treasury. When you report that the 1-4 family mortgage/loans is 75.28%, I believe that distorts the true financial makeup of the bank's balance sheet. You are correct that the bank's dependency ratio is high, but please note that only 1/3rd of the bank's MBS' are pledged and that the bank's MBS portfolio was $$349,458,287 as of 3/31/2011, and that makes up 81% of the bank's assets. The issue over fees being low is recognized by Management and the Board of Directors, and also that the deposit customer s of the bank are the actual owners in a mutual institution. You are correct in the analysis of the dependency ratio, however, only 1/3rd of the MBS' are pledged, and that leaves over $200,000,000.00 not pledged. Liquidity is an issue that is viewed in many ways and this is open to how one views liquidity. The Teaxs ratio of this Bank was 5.88% as of 3/31/2011. I believe that covers any questions about the coverage ratio of Belmont Savings Bank. Thank you for allowing me to comment on your website. Thomas Poe, President and CEO of Belmont Savings Bank- Bellaire, Ohio.
Data as of Q1 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 28348 |
| Year Established | 1886 |
| Employees | 56 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.77% |
| Return on Equity - YTD | 5.47% |
| Annual Interest Income | $3.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2017vs Q1 2016 | $455.5MM$516.2MM |
| Loans | Q1 2017vs Q1 2016 | $69.5MM$76.1MM |
| Deposits | Q1 2017vs Q1 2016 | $317.6MM$338.1MM |
| Equity Capital | Q1 2017vs Q1 2016 | $63.9MM$65.2MM |
| Loan Loss Allowance | Q1 2017vs Q1 2016 | $2.1MM$2.5MM |
| Unbacked Noncurrent Loans | Q1 2017vs Q1 2016 | $1.9MM$934.00K |
| Real Estate Owned | Q1 2017vs Q1 2016 | $98.00K$0 |
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Belmont Savings Bank (OH) Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.35%* | $75k* | - | Golden Passbook | ||
| OTHER TIERS: 0.20% → $100 - $75k | |||||
| 0.20% | $100 | - | Regular Passbook Savings | ||
| 0.20% | - | - | Christmas Club | ||
| 0.12% | $50 | - | IRA Passbook | ||
| 0.12% | $50 | - | ROTH IRA Passbook | ||
| 0.12% | $50 | - | ED IRA Passbook | ||
Belmont Savings Bank (OH) Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.35%* | $75k* | - | Money Market Plus | ||
| OTHER TIERS: 0.15% → $1k - $40k | 0.25% → $40k - $75k | |||||
Belmont Savings Bank (OH) Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.12% | $100 | - | Now Account |
Belmont Savings Bank (OH) CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.75%* | $98k* | - | 48 Month CD | ||
| OTHER TIERS: 0.50% → $500 - $98k | |||||
| 0.75%* | $98k* | - | 48 Month Step Up CD | ||
| OTHER TIERS: 0.50% → $500 - $98k | |||||
| 0.65%* | $98k* | - | 36 Month CD | ||
| OTHER TIERS: 0.40% → $500 - $98k | |||||
| 0.65%* | $98k* | - | 36 Month Step Up CD | ||
| OTHER TIERS: 0.40% → $2,500 - $98k | |||||
| 0.60%* | $98k* | - | 30 Month CD | ||
| OTHER TIERS: 0.35% → $500 - $98k | |||||
| 0.60%* | $98k* | - | 30 Month Step Up CD | ||
| OTHER TIERS: 0.35% → $2,500 - $98k | |||||
| 0.55%* | $98k* | - | 24 Month CD | ||
| OTHER TIERS: 0.30% → $500 - $98k | |||||
| 0.50%* | $98k* | - | 12 Month CD | ||
| OTHER TIERS: 0.25% → $500 - $98k | |||||
| 0.50%* | $98k* | - | 18 Month CD | ||
| OTHER TIERS: 0.25% → $500 - $98k | |||||
| 0.45%* | $98k* | - | 6 Month CD | ||
| OTHER TIERS: 0.20% → $500 - $98k | |||||
Belmont Savings Bank (OH) IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.50% | $500 | - | 48 Month IRA | |
| 0.50% | $500 | - | 48 Month ROTH IRA | |
| 0.50% | $500 | - | 48 Month ED IRA | |
| 0.35% | $500 | - | 36 Month IRA | |
| 0.35% | $500 | - | 36 Month ROTH IRA | |
| 0.35% | $500 | - | 36 Month ED IRA | |
| 0.30% | $500 | - | 24 Month IRA | |
| 0.30% | $500 | - | 24 Month ROTH IRA | |
| 0.30% | $500 | - | 24 Month ED IRA | |
| 0.25% | $500 | - | 18 Month IRA | |
| 0.25% | $500 | - | 18 Month ROTH IRA | |
| 0.25% | $500 | - | 18 Month ED IRA |
| Belmont Savings Bank (OH) Locations | ||
|---|---|---|
| 215 West Main Street Branch | 215 West Main Street | St. Clairsville, OH 43950 |
| 298 Highway #7 Branch | 298 Sthwy 7 | Powhatan Point, OH 43942 |
| Belmont Savings Bank | 3301 Guernsey Street | Bellaire, OH 43906 |
| 915 East Main St Branch | 915 East Main St | Barnesville, OH 43713 |