NORTH SIDE BANK AND TRUST COMPANY, THE

CINCINNATI, OH | Large | Est. Jan. 1, 1892, midnight | FDIC #9457 | RSSD #615217 | FED
Latest Report: 2025-12-31

NORTH SIDE BANK AND TRUST COMPANY, THE is aln large FDIC-insured commercial bank headquartered in CINCINNATI, OH, established in Jan. 1, 1892, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $988M. Profitability stands at 1.13% ROA and 12.89% ROE, with a net interest margin of 2.91%. The bank's CET1 capital ratio is 12.62%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.17% and a Texas Ratio of 1.13%. FDIC Certificate #9457.

Assets

$1.2B

Deposits

$988M

Loans

$746M

Equity

$102M

Profitability

Return on Assets (ROA) 1.13%
Return on Equity (ROE) 12.89%
Net Interest Margin (NIM) 2.91%
Yield on Assets 5.37%
Cost of Funds 3.91%

Asset Quality

NPL Ratio 0.17%
Net Charge-Off Ratio 0.05%
Texas Ratio 1.13%
NPA Ratio 0.11%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 12.62%
Tier 1 Capital 12.62%
Total Capital Ratio 13.58%
Leverage Ratio 10.85%
Loan-to-Deposit 75.53%

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