Belmont Bank & Trust Company

8250 West Belmont Avenue
Chicago, IL 60634

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58165
Date Established 2006
Assets $0.39 billion
Loans $0.29 billion
Deposits $0.35 billion
Capital $0.04 billion

Belmont Bank & Trust Company is an FDIC insured institution located in Chicago, IL. It was founded in 2006 and has approximately $0.39 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Belmont Bank & Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Belmont Bank & Trust Company’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Illinois, Belmont Bank & Trust Company has a significantly higher percent of Construction and Development Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.40
Multifamily
Mortgages
8.39
Credit Card Loans 0.00
Consumer Auto Loans 0.02
Small Business Loans 12.51
Construction and Development Loans 10.27
Commercial Real Estate 43.73
Commercial and Industrial Loans 19.30
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.15% $2,500 $99,999 Learn MoreShow Less
6 Mo CD 10K
0.25% $2,500 $99,999 Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.07% $2,500 $24,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.45% $2,500 $99,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.07% $2,500 $24,999 Learn MoreShow Less
MM 25K
0.15% $25,000 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.02% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Belmont Bank & Trust Company

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Belmont Bank & Trust Company
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Branches

Belmont Bank & Trust Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Belmont Bank & Trust Company Locations

Financial Details

Belmont Bank & Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Belmont Bank & Trust Company. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Belmont Bank & Trust Company U.S. Bank Average
7.11% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Belmont Bank & Trust Company had $3,080,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $39,215,000 in equity and $4,088,000 in loans loss reserves. That gives it a Texas Ratio of 7.11%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Belmont Bank & Trust Company U.S. Bank Average
15.1% 8.58

Belmont Bank & Trust Company has a Return on Equity of 15.1% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Belmont Bank & Trust Company U.S. Bank Average
9.98% 12.11

Belmont Bank & Trust Company has a Capitalization of 9.98% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Belmont Bank & Trust Company Balance Sheet Analysis

As of June 30, 2017, Belmont Bank & Trust Company had assets of $393,030,000, loans of $290,701,000, and deposits of $352,786,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Belmont Bank & Trust Company

Branches and Savings

Is Belmont Bank & Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #58165.

Why does Belmont Bank & Trust Company pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Belmont Bank & Trust Company CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Belmont Bank & Trust Company a commercial bank?

Yes

Where are Belmont Bank & Trust Company locations?

See branch locations nearby.

Is Belmont Bank & Trust Company open on Saturdays?

Is Belmont Bank & Trust Company open on Sundays?

What time does Belmont Bank & Trust Company open?

What time does Belmont Bank & Trust Company close?

Are Belmont Bank & Trust Company ATMs Open 24/7?

Do Belmont Bank & Trust Company ATMs accept cash deposits?

Can Belmont Bank & Trust Company customers use other ATMs?

Do Belmont Bank & Trust Company branches have notaries?

Will Belmont Bank & Trust Company notarize my document?

What address for Belmont Bank & Trust Company should I put for incoming ACH transfers?

Will the Belmont Bank & Trust Company branch print checks?

Do Belmont Bank & Trust Company checks expire?

Does Belmont Bank & Trust Company require US citizenship to open account?

Can Belmont Bank & Trust Company close my account?

Does Belmont Bank & Trust Company Report to credit bureaus?

Does Belmont Bank & Trust Company Use Equifax?

What is Belmont Bank & Trust Company's ACH Routing Number?

What is Belmont Bank & Trust Company's SWIFT code?

Products

Does Belmont Bank & Trust Company offer mortgages?

Compare mortgage rates here.

Does Belmont Bank & Trust Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Belmont Bank & Trust Company offer personal loans?

Compare personal loan rates here.

Does Belmont Bank & Trust Company offer student loans?

Will Belmont Bank & Trust Company cash a check?

Will Belmont Bank & Trust Company redeem a savings bond?

Does Belmont Bank & Trust Company cash savings bonds?

Will Belmont Bank & Trust Company cash money orders?

Can Belmont Bank & Trust Company issue a money order?

Does Belmont Bank & Trust Company do currency exchange?

Background on The Bank

Who owns Belmont Bank & Trust Company?

How long has Belmont Bank & Trust Company been around?

Can Belmont Bank & Trust Company transfer to other banks?

Does Belmont Bank & Trust Company have quick pay?

Does Belmont Bank & Trust Company accept rolled coins?

Will Belmont Bank & Trust Company accept loose change?

Where is Belmont Bank & Trust Company headquarters?

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