NC lenders / Community Bank
Belmont Savings Bank, SSB
Community Bank · Belmont, NC
- Total assets
- $155.6M
- CRE loan book
- $22.0M
- QoQ CRE growth
- 2.2%
- Q1 2026
Recorded CRE activity — oh-jefferson County
1 commercial deed of trust recorded recently, verified from county records.
- Aug 31, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.51% as of Q1 2026 — TX bank median 4.87% (0.65pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.51% | 5.55% |
| Q4 2025 | 5.46% | 5.50% |
| Q3 2025 | 5.35% | 5.40% |
| Q2 2025 | 5.38% | 5.42% |
| Q1 2025 | 5.21% | 5.25% |
| Q4 2024 | 5.22% | 5.26% |
| Q3 2024 | 5.05% | 5.09% |
| Q2 2024 | 4.93% | 4.97% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $22.0M | $14.6M | $1.2M | 88% | $0 |
| Q4 2025 | $21.5M | $13.9M | $1.2M | 86% | $0 |
| Q3 2025 | $19.2M | $11.6M | $929,000 | 78% | $0 |
| Q2 2025 | $16.6M | $9.7M | $937,000 | 80% | $0 |
| Q1 2025 | $15.0M | $8.2M | $943,000 | 74% | $0 |
| Q4 2024 | $13.3M | $6.4M | $951,000 | 64% | $0 |
| Q3 2024 | $15.2M | $8.5M | $1.2M | 75% | $0 |
| Q2 2024 | $15.3M | $8.8M | $1.0M | 75% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Hamlin Bank and Trust CompanyCommunity Bank · Smethport · $22.0M CRE book
- The Seiling State BankCommunity Bank · Seiling · $22.1M CRE book
- Federated BankCommunity Bank · Onarga · $22.2M CRE book
- Bellevue State BankCommunity Bank · Bellevue · $22.2M CRE book
- Sandhills State BankCommunity Bank · North Platte · $21.8M CRE book
Last updated Aug 31, 2026 · Sources: FFIEC CDR, county records, first-party conversations.