C
The North Side Bank and Trust Company
Rating Date
March 2026
Risk Based
Capital Ratio
13.58
Leverage
Ratio
10.85
Return On
Assets
0.99%
Total
Assets
1.18B
Capital
101.85M
Total
Deposits
987.70M
Net
Income
11.20M
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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 9.80
Liquidity Index 2.60
Profitability Index 4.80
Stability Index 7.40
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 5.86%
5-Year Asset Growth 4.94%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.11%
Non-Performing Loans to Capital 0.91%
Non-Performing Loans to Loans 0.17%
Balance Sheet The North Side Bank and Trust Company
Cincinnati, OH 		Click to
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Total Assets 1.18B
Total Deposits 987.70M
Capital and Reserves The North Side Bank and Trust Company
Cincinnati, OH 		Click to
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Capital 101.85M
Leverage Ratio 10.85
Loan Loss Reserves to Loans 1.23%
Risk-Based Capital Ratio 13.58
Liquidity The North Side Bank and Trust Company
Cincinnati, OH 		Click to
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Hot Money Ratio 19.18%
Liquidity Ratio 22.39%
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 11.20M
Net Interest Spread 2.77%
Operating Profit to Average Assets 1.23%
Overhead Efficiency Ratio 55.17%
Return on Assets 0.99%
Return on Equity 11.71%