The North Side Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 9.38 percentage points lower than in Q1 2026, at 33.57%. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $752.0M |
| Net loans and leases | $743.6M |
| Loans held for sale | $0 |
| Loans to total assets | 64.16% |
| Loan-to-deposit ratio | 76.00% |
| Net loans to equity capital | 7.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.44% |
| Multifamily (5+ residential) | 3.04% |
| Commercial and industrial | 16.83% |
| Consumer | 2.69% |
| Credit cards | 0.41% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 156.78% |
| Construction concentration (Tier 1 capital + allowance) | 33.57% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.03% |
| Interest income on loans | $11.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $681.7M | $837.5M | 40.97% | 25.28% | 1.15% |
| Q4 2023 | $685.0M | $853.5M | 40.68% | 24.91% | 1.06% |
| Q1 2024 | $692.6M | $823.9M | 39.93% | 25.98% | 1.09% |
| Q2 2024 | $709.2M | $814.1M | 40.08% | 25.76% | 0.97% |
| Q3 2024 | $712.9M | $908.8M | 40.46% | 20.16% | 1.79% |
| Q4 2024 | $726.3M | $937.7M | 38.55% | 19.33% | 1.92% |
| Q1 2025 | $728.2M | $865.9M | 36.76% | 20.40% | 1.96% |
| Q2 2025 | $737.1M | $881.4M | 34.64% | 19.98% | 2.80% |
| Q3 2025 | $737.4M | $923.1M | 35.06% | 19.21% | 2.79% |
| Q4 2025 | $746.0M | $987.7M | 35.24% | 18.76% | 2.68% |
| Q1 2026 | $745.4M | $961.5M | 37.95% | 17.63% | 3.27% |
| Q2 2026 | $752.0M | $989.5M | 39.44% | 16.83% | 2.69% |
The North Side Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The North Side Bank and Trust Company, freeSource: Call Report Schedule RC-C, 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)