Belmont Bank & Trust Company: how it compares with its peers
Against 62 IL banks with half to twice its assets, Belmont Bank & Trust Company's strongest measure in Q2 2026 is assets per employee ($15.9M vs. a $7.6M peer median). Its weakest relative measure is net interest margin (4.04% vs. 3.65%).
| Measure | Belmont Bank & Trust Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.41% | 1.13% | Top third Ahead of 74% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.04% | 3.65% | Top third Ahead of 69% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.02% | 62.96% | Top third Ahead of 81% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $15.9M | $7.6M | Top third Ahead of 98% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.30% | 78.67% | Context |
What it means for lending operations
Its efficiency ratio of 51.02% is better than the 62.96% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Southern Bank Marion, IL · $1.04B
- The Federal Savings Bank Chicago, IL · $1.08B
- Cornerstone National Bank & Trust Company Palatine, IL · $1.01B
- International Bank of Chicago Chicago, IL · $983M
- First National Bank of Waterloo Waterloo, IL · $929M
- American Community Bank & Trust Woodstock, IL · $1.18B
Questions about Belmont Bank & Trust Company
How big is Belmont Bank & Trust Company?
Belmont Bank & Trust Company, established in 2006, is headquartered in Chicago, IL. It reported $1.05B in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Belmont Bank & Trust Company's return on assets?
1.41% annualized in Q2 2026, against a 1.13% median for 62 IL banks with half to twice its assets, ahead of 74% of them.
What is Belmont Bank & Trust Company's efficiency ratio?
51.02% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 62.96%, and lower is better.
Is Belmont Bank & Trust Company growing its loans?
Net loans grew 2.3% over the year to Q2 2026, while deposits grew 9.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.