The North Side Bank and Trust Company
Also written as NSB&T
BankRegReports is independent of The North Side Bank and Trust Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The North Side Bank and Trust Company is an FDIC-insured commercial bank headquartered in Cincinnati, OH, established in 1892 (FDIC certificate 9457), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.17B, up 9.4% from Q2 2025, the 34th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 12.85% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 9457
- Headquarters
- Cincinnati, OH
- Established
- 1892
- Total assets, Q2 2026
- $1.17B
- Assets vs Q2 2025
- +9.4%
- CET1 ratio, Q2 2026
- 12.85%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 042000550
- Latest call report
- Q2 2026, FFIEC 051 · The North Side Bank and Trust Company call report
- Asset rank in state
- 34th of 154 in Ohio
The North Side Bank and Trust Company, based in Cincinnati, Ohio, reported $1.2 billion in assets at June 30, 2026, up 9.4% from a year earlier. It keeps 2.92 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it carries problem assets equal to 0.7% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Earnings jumped: net income for the quarter was $4.2 million, 62% above the same quarter a year earlier. Over the same year, loans grew 2.0% and deposits grew 12.3%. Funding is the softer spot: it holds about two-fifths of its deposits (42%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, The North Side Bank and Trust Company reported a CET1 capital ratio of 12.85%, a return on assets of 1.41%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.67%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The North Side Bank and Trust Company is the 34th largest of the 154 banks headquartered in Ohio. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.9% to $1.17B, loans rose 0.9% and deposits rose 2.9%. 1-4 family residential loans made up 31.7% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 20.1%. Its 9 offices in the FDIC Summary of Deposits are in Cincinnati, OH, West Chester, OH and Springdale, OH; its Cincinnati 7 offices book 92% of its branch deposits. On its Q2 2026 call report, The North Side Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4125 Hamilton Ave, Cincinnati, OH 45223
- County
- Hamilton
- Metro Area
- Cincinnati, Oh-KY-In
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1892
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 109
- Domestic deposits
- $989.5M
- Allowance for credit losses
- $8.4M
- Net charge-offs (YTD)
- $1.2M
- Average total assets
- $1.19B
- Average total loans
- $744.3M
- Average interest-bearing deposits
- $707.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9457
- Fed RSSD
- 615217
- Website
- www.nsbt.net →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The North Side Bank and Trust Company's total assets moved between a low of $996.0M (Q2 2024) and a high of $1.18B (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.17B total assets against $1.07B; $1.07B total liabilities against $976.2M.
$743.6M net loans and leases against $728.2M; $989.5M total deposits against $881.4M.
$269.0M securities against $224.7M; $122.2M cash and balances due against $80.8M.
$14.2M total interest income against $13.1M; $6.1M total interest expense against $6.0M.
$8.1M net interest income against $7.0M.
$1.1M total noninterest income against $1.0M; $4.7M total noninterest expense against $4.4M.
$225K provision for credit losses against $210K.
$4.2M net income against $2.6M.
1.41% return on assets against 0.94%; 2.92% net interest margin against 2.80%.
12.85% CET1 capital ratio against 12.52%; 11.16% tier 1 leverage ratio against 11.58%.
Inside the full The North Side Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe North Side Bank and Trust Company rankings
Its closest position to the top of a national ranking is 907 of 4,196, for total assets; its furthest is 2,871 of 3,640, for Texas Ratio.
Metric pages for The North Side Bank and Trust Company: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.63% (Q4 2024) to 1.41% (Q2 2026) and its net interest margin ran from 2.55% (Q3 2024) to 2.92% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.85% | 1.41% | 0.10% | 0.67% | 2.92% |
| Q1 2026 | 12.74% | 0.81% | 0.24% | 1.59% | 2.70% |
| Q4 2025 | 12.62% | 1.09% | 0.17% | 1.14% | 2.75% |
| Q3 2025 | 12.54% | 0.86% | 0.16% | 1.06% | 2.86% |
| Q2 2025 | 12.52% | 0.94% | 0.41% | 2.91% | 2.80% |
| Q1 2025 | 12.24% | 1.07% | 0.48% | 3.39% | 2.68% |
| Q4 2024 | 11.97% | 0.63% | 0.12% | 0.90% | 2.60% |
| Q3 2024 | 12.43% | 0.72% | 0.18% | 1.22% | 2.55% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The North Side Bank and Trust Company | Cincinnati , OH | 45223 | $406.0M |
| Colerain Branch | Cincinnati , OH | 45251 | $116.3M |
| Blue Ash Branch | Cincinnati , OH | 45242 | $106.4M |
| Finneytown Branch | Cincinnati , OH | 45224 | $97.6M |
| Mt. Adams Branch | Cincinnati , OH | 45202 | $64.7M |
| Hyde Park Branch | Cincinnati , OH | 45209 | $59.1M |
| West Chester Branch | West Chester , OH | 45069 | $57.4M |
| Delhi Branch | Cincinnati , OH | 45238 | $57.1M |
| Springdale Branch | Springdale , OH | 45246 | $24.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in OH, rank 40 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $300K approved, $300K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The North Side Bank and Trust Company’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about The North Side Bank and Trust Company
What are The North Side Bank and Trust Company's total assets?
As of the Q2 2026 filing, The North Side Bank and Trust Company reported total assets of $1.17 billion in its FFIEC call report.
Where is The North Side Bank and Trust Company headquartered?
It is headquartered in Cincinnati, OH, United States.
When was The North Side Bank and Trust Company founded?
It was established in 1892, per the FDIC institution directory.
Is The North Side Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9457). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The North Side Bank and Trust Company?
The North Side Bank and Trust Company's primary federal regulator is the Federal Reserve.
What is The North Side Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.85% in its Q2 2026 call report, above regulatory requirements.
How many branches does The North Side Bank and Trust Company operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The North Side Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 0.67% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on The North Side Bank and Trust Company.
Get an email when The North Side Bank and Trust Company files its next call report, and benchmark it against any peer you choose.
Unlock The North Side Bank and Trust Company, freeFree account