The North Side Bank and Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds sold and reverse repos dropped 58.2% in Q2 2026, from $1.6M to $648K. It was the largest change from Q1 2026 among the key lines here. The North Side Bank and Trust Company ranks 101st of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 76.00% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The North Side Bank and Trust Company sits 12.20 points lower, at 76.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $122.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $391.2M |
| Fed funds sold and reverse repos | $648K |
| Fed funds sold and reverse repos to assets | 0.06% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $74.3M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.00% |
| Net loans and leases to deposits | 75.15% |
| Loans and leases to core deposits | 83.41% |
| Core deposits to total deposits | 91.11% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 81.40% | 88.91% | $95.0M | $0 |
| Q4 2023 | 80.25% | 90.52% | $100.0M | $0 |
| Q1 2024 | 84.07% | 90.26% | $97.2M | $0 |
| Q2 2024 | 87.12% | 90.27% | $91.0M | $0 |
| Q3 2024 | 78.44% | 89.79% | $89.7M | $0 |
| Q4 2024 | 77.45% | 90.27% | $84.3M | $0 |
| Q1 2025 | 84.10% | 89.36% | $84.4M | $0 |
| Q2 2025 | 83.62% | 89.34% | $91.2M | $0 |
| Q3 2025 | 79.89% | 90.29% | $86.8M | $0 |
| Q4 2025 | 75.53% | 90.25% | $85.7M | $0 |
| Q1 2026 | 77.53% | 90.19% | $93.0M | $0 |
| Q2 2026 | 76.00% | 91.11% | $74.3M | $0 |
The North Side Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The North Side Bank and Trust Company, freeSource: Call Report Schedules RC and RC-M, 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)