Belpre Savings Bank


605 Washington Boulevard
Belpre, OH 45714
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Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Belpre Savings Bank is an FDIC insured institution located in Belpre, OH. It was founded in 1902 and has approximately $0.05 billion in assets.

FDIC Insured Yes
FDIC Certificate # 30744
Date Established 1902
Assets $ 47.07 million
Loans $ 28.20 million
Deposits $ 36.53 million
Capital $ 6.67 million

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

Deposit Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

Loan Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Belpre Savings Bank

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
NMLS ID: 2890
License#: MC-3098
2.575% 2.500% 1.00 $2,470 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Belpre Savings Bank
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Financial Details

Belpre Savings Bank Ratio Analysis

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

Texas Ratio
Belpre Savings Bank U.S. Bank Average
13.42% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Belpre Savings Bank had $651,000 in non-current loans and $255,000 in owned real estate. To cover these potential losses it had $6,667,000 in equity and $85,000 in loans loss reserves. That gives it a Texas Ratio of 13.42%.

Return on Equity
Belpre Savings Bank U.S. Bank Average
-2.23% 7.80%

Belpre Savings Bank has a Return on Equity of -2.23% versus the BestCashCow average of 7.80%. 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.

Belpre Savings Bank U.S. Bank Average
14.17% 12.68%

Belpre Savings Bank has a Capitalization of 14.17% versus the BestCashCow average of 12.68. 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.

Belpre Savings Bank Balance Sheet Analysis

As of December 31, 2017, Belpre Savings Bank had assets of $47,661,000, loans of $28,199,000, and deposits of $36,529,000. 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.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions $ 3.25 million
Interest-bearing balances $ 2.12 million
Total securities $ 10.99 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 28.20 million
Loan loss allowance $ 0.09 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.26 million
Goodwill and other intangibles $ 2.94 million
All other assets $ 1.11 million
     Total Assets $ 40.99 million
Total deposits $ 36.53 million
      Interest-bearing deposits $ 31.14 million
      Deposits held in domestic offices $ 36.53 million
      % insured (estimated) 94.32%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 3.57 million
Subordinated debt N.A.
All other liabilities $ 0.90 million
      Total Liabilities $ 40.99 million
      Shareholders’ Equity $ 6.07 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 1.85 million
Total Interest Expense $ 0.15 million
Net interest income $ 1.70 million
Provision for loan and lease losses $ 0.08 million
Total non interest income $ 0.20 million
Total non interest expense $ 1.89 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Belpre Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Consumer Auto Loans, and Commercial Real Estate.

Compared to other banks in Ohio, Belpre Savings Bank has a significantly higher percent of 1-4 Family Residential Loans 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 88.37
Credit Card Loans 0.00
Consumer Auto Loans 10.20
Small Business Loans 0.51
Construction and Development Loans 0.47
Commercial Real Estate 0.52
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Belpre Savings Bank

Branches and Savings

Is Belpre Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #30744.

Why does Belpre Savings Bank pay such low interest on savings accounts?

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

Why are Belpre Savings Bank CD rates not competitive?

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

Is Belpre Savings Bank a commercial bank?


Where are Belpre Savings Bank locations?

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Is Belpre Savings Bank open on Saturdays?

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Are Belpre Savings Bank ATMs Open 24/7?

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Do Belpre Savings Bank branches have notaries?

Will Belpre Savings Bank notarize my document?

What address for Belpre Savings Bank should I put for incoming ACH transfers?

Will the Belpre Savings Bank branch print checks?

Do Belpre Savings Bank checks expire?

Does Belpre Savings Bank require US citizenship to open account?

Can Belpre Savings Bank close my account?

Does Belpre Savings Bank Report to credit bureaus?

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What is Belpre Savings Bank's ACH Routing Number?

What is Belpre Savings Bank's SWIFT code?


Does Belpre Savings Bank offer mortgages?

Compare mortgage rates here.

Does Belpre Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Belpre Savings Bank offer personal loans?

Compare personal loan rates here.

Does Belpre Savings Bank offer student loans?

Will Belpre Savings Bank cash a check?

Will Belpre Savings Bank redeem a savings bond?

Does Belpre Savings Bank cash savings bonds?

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Does Belpre Savings Bank do currency exchange?

Background on The Bank

Who owns Belpre Savings Bank?

How long has Belpre Savings Bank been around?

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Will Belpre Savings Bank accept loose change?

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