Bank Comparison
North Side Bank and Trust Company, the vs Bank of the Orient
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 13
winning metrics across 21 comparable rows
Capital adequacy
| Metric | North Side Bank and Trust Company, the | Bank of the Orient |
|---|---|---|
| CET1 Ratio | 12.74% | — |
| Tier 1 Capital Ratio | 12.74% | — |
| Total Capital Ratio | 13.67% | — |
| Tier 1 Leverage Ratio | 11.04% | 12.06% |
| Equity / Assets | 8.80% | 11.67% |
Profitability
| Metric | North Side Bank and Trust Company, the | Bank of the Orient |
|---|---|---|
| Return on Assets (ROA) | 0.81% | 0.88% |
| Return on Equity (ROE) | 9.37% | 7.39% |
| Net Interest Margin (NIM) | 2.70% | 3.57% |
| Yield on Earning Assets | 4.93% | 6.09% |
| Cost of Funds | 2.34% | 2.83% |
Asset quality
| Metric | North Side Bank and Trust Company, the | Bank of the Orient |
|---|---|---|
| Texas Ratio | 1.59% | 5.16% |
| Non-Performing Loan Ratio | 0.24% | 0.79% |
| Non-Performing Asset Ratio | 0.15% | 0.66% |
| Net Charge-Off Ratio | 0.26% | 0.00% |
| ACL / Loans | 1.20% | 1.38% |
Balance sheet
| Metric | North Side Bank and Trust Company, the | Bank of the Orient |
|---|---|---|
| Total Assets | $1,161M | $1,160M |
| Total Deposits | $961,491K | $996,322K |
| Total Loans | $745,448K | $970,880K |
| Total Equity | $102,215K | $135,384K |
| Net Income (quarter) | $2,391K | $2,479K |
Liquidity & funding
| Metric | North Side Bank and Trust Company, the | Bank of the Orient |
|---|---|---|
| Loan-to-Deposit Ratio | 77.53% | 97.45% |
| Core Deposit Ratio | 90.19% | 80.60% |
| Uninsured Deposit Ratio | 42.17% | 17.46% |
Identity
| Metric | North Side Bank and Trust Company, the | Bank of the Orient |
|---|---|---|
| Headquarters City | CINCINNATI | SAN FRANCISCO |
| Headquarters State | OH | CA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 9 | 10 |
| Employees (FTE) | 113 | 104 |
| Established | Jan. 1, 1892, midnight | March 17, 1971, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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