B
The North Side Bank and Trust Company
Rating Date
August 2026
Risk Based
Capital Ratio
13.73
Leverage
Ratio
11.16
Return On
Assets
1.11%
Total
Assets
1.17B
Capital
104.25M
Total
Deposits
989.48M
Net
Income
6.57M
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Weiss Ratings The North Side Bank and Trust Company
Cincinnati, OH 		Click to
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Rating B
Asset Quality Index 8.60
Capitalization Index 10.00
Liquidity Index 2.80
Profitability Index 4.70
Stability Index 8.00
Company Info The North Side Bank and Trust Company
Cincinnati, OH 		Click to
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FDIC Number 9457
Phone Number (513) 542-7800
Website nsbt.net
Asset Quality The North Side Bank and Trust Company
Cincinnati, OH 		Click to
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1-Year Asset Growth 9.43%
5-Year Asset Growth 4.94%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.33%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 0.54%
Non-Performing Loans to Loans 0.05%
Balance Sheet The North Side Bank and Trust Company
Cincinnati, OH 		Click to
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Total Assets 1.17B
Total Deposits 989.48M
Capital and Reserves The North Side Bank and Trust Company
Cincinnati, OH 		Click to
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Capital 104.25M
Leverage Ratio 11.16
Loan Loss Reserves to Loans 1.12%
Risk-Based Capital Ratio 13.73
Liquidity The North Side Bank and Trust Company
Cincinnati, OH 		Click to
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Hot Money Ratio 19.45%
Liquidity Ratio 21.60%
Profitability The North Side Bank and Trust Company
Cincinnati, OH 		Click to
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5-Year Return on Average Assets 1.08%
Net Income 6.57M
Net Interest Spread 2.81%
Operating Profit to Average Assets 1.37%
Overhead Efficiency Ratio 53.04%
Return on Assets 1.11%
Return on Equity 12.80%