C
The North Side Bank and Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
13.45
Leverage
Ratio
11.58
Return On
Assets
1.01%
Total
Assets
1.07B
Capital
94.80M
Total
Deposits
881.43M
Net
Income
5.55M
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Weiss Ratings The North Side Bank and Trust Company
Cincinnati, OH 		Click to
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Rating C
Asset Quality Index 8.40
Capitalization Index 10.00
Liquidity Index 1.20
Profitability Index 4.90
Stability Index 4.30
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 7.54%
5-Year Asset Growth 9.55%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 0.28%
Non-Performing Loans to Capital 2.23%
Non-Performing Loans to Loans 0.41%
Balance Sheet The North Side Bank and Trust Company
Cincinnati, OH 		Click to
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Total Assets 1.07B
Total Deposits 881.43M
Capital and Reserves The North Side Bank and Trust Company
Cincinnati, OH 		Click to
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Capital 94.80M
Leverage Ratio 11.58
Loan Loss Reserves to Loans 1.20%
Risk-Based Capital Ratio 13.45
Liquidity The North Side Bank and Trust Company
Cincinnati, OH 		Click to
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Hot Money Ratio 20.10%
Liquidity Ratio 16.30%
Profitability The North Side Bank and Trust Company
Cincinnati, OH 		Click to
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5-Year Return on Average Assets 1.13%
Net Income 5.55M
Net Interest Spread 2.74%
Operating Profit to Average Assets 1.24%
Overhead Efficiency Ratio 56.46%
Return on Assets 1.01%
Return on Equity 12.01%