The North Side Bank and Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
In Q2 2026, Total equity capital edged up by 2.0%, from $102.2M to $104.2M, the largest move among the key lines here. Within Ohio, The North Side Bank and Trust Company is 57th of 84 on CET1 ratio, 12.85% as of Q2 2026, below the middle of the field. The North Side Bank and Trust Company reported 12.85% on CET1 ratio for Q2 2026, 0.63 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.85% |
| Tier 1 risk-based capital ratio | 12.85% |
| Total risk-based capital ratio | 13.73% |
| Tier 1 leverage ratio | 11.16% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $132.7M |
| Tier 1 capital | $132.7M |
| Total risk-based capital | $141.8M |
| Total equity capital | $104.2M |
| Risk-weighted assets | $1.03B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.89% |
| Tangible equity to tangible assets | 8.89% |
| Equity capital to average assets | 8.77% |
| Internal capital growth rate | 13.22% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.9M |
| Common stock surplus | $2.9M |
| Retained earnings | $127.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$28.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.29% | 12.29% | 13.17% | 11.45% | $964.6M |
| Q4 2023 | 12.04% | 12.04% | 12.91% | 10.96% | $995.6M |
| Q1 2024 | 12.11% | 12.11% | 12.92% | 11.44% | $1.00B |
| Q2 2024 | 12.10% | 12.10% | 12.97% | 11.60% | $1.01B |
| Q3 2024 | 12.43% | 12.43% | 13.34% | 11.39% | $992.6M |
| Q4 2024 | 11.97% | 11.97% | 12.86% | 10.84% | $1.03B |
| Q1 2025 | 12.24% | 12.24% | 13.17% | 11.28% | $1.03B |
| Q2 2025 | 12.52% | 12.52% | 13.45% | 11.58% | $1.01B |
| Q3 2025 | 12.54% | 12.54% | 13.49% | 11.36% | $1.02B |
| Q4 2025 | 12.62% | 12.62% | 13.58% | 10.85% | $1.02B |
| Q1 2026 | 12.74% | 12.74% | 13.67% | 11.04% | $1.02B |
| Q2 2026 | 12.85% | 12.85% | 13.73% | 11.16% | $1.03B |
The North Side Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The North Side Bank and Trust Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The North Side Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9457) · FFIEC NIC profile (RSSD 615217)