C
The North Side Bank and Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
13.49
Leverage
Ratio
11.36
Return On
Assets
0.96%
Total
Assets
1.11B
Capital
99.17M
Total
Deposits
923.06M
Net
Income
7.96M
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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 8.60
Capitalization Index 10.00
Liquidity Index 1.80
Profitability Index 4.70
Stability Index 7.60
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 1.47%
5-Year Asset Growth 9.55%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.08%
Non-Performing Loans to Capital 0.84%
Non-Performing Loans to Loans 0.11%
Balance Sheet The North Side Bank and Trust Company
Cincinnati, OH 		Click to
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Total Assets 1.11B
Total Deposits 923.06M
Capital and Reserves The North Side Bank and Trust Company
Cincinnati, OH 		Click to
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Capital 99.17M
Leverage Ratio 11.36
Loan Loss Reserves to Loans 1.23%
Risk-Based Capital Ratio 13.49
Liquidity The North Side Bank and Trust Company
Cincinnati, OH 		Click to
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Hot Money Ratio 19.91%
Liquidity Ratio 18.03%
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 7.96M
Net Interest Spread 2.78%
Operating Profit to Average Assets 1.19%
Overhead Efficiency Ratio 55.53%
Return on Assets 0.96%
Return on Equity 11.29%