BanksNORTH SIDE BANK AND TRUST COMPANY, THE

NORTH SIDE BANK AND TRUST COMPANY, THE

CINCINNATI, OHLargeEst. Jan. 1, 1892, midnightFDIC #9457RSSD #615217FED
Latest · 2025-12-31

NORTH SIDE BANK AND TRUST COMPANY, THE is an 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%. CET1 capital ratio: 12.62%, well above regulatory minimums. NPL ratio: 0.17% · Texas Ratio: 1.13%. Operates 9 domestic branches.

Assets
$1.2B
Deposits
$988M
Loans
$746M
Equity
$102M

Profitability

Return on Assets (ROA)1.13%
Return on Equity (ROE)12.89%
Net Interest Margin2.91%
Yield on Assets5.37%
Cost of Funds2.72%

Asset Quality

NPL Ratio0.17%
Net Charge-Off Ratio0.05%
Texas Ratio1.13%
NPA Ratio0.11%
ACL / Loans1.23%

Capital & Liquidity

CET1 Ratio12.62%
Tier 1 Capital12.62%
Total Capital Ratio13.58%
Leverage Ratio10.85%
Loan-to-Deposit75.53%

This is just the summary.

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