The North Side Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The North Side Bank and Trust Company of Cincinnati, OH against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.41% | 1.44% | -0.03% | 61st above |
| ROAE | 16.18% | 12.50% | +3.68% | 78th top |
| Net Interest Margin | 2.92% | 3.84% | -0.92% | 12th bottom |
| Efficiency Ratio | 50.68% | 58.88% | -8.20% | 74th above |
| PPNR / Avg Assets | 1.52% | 1.78% | -0.26% | 37th below |
| Yield on Earning Assets | 5.10% | 5.71% | -0.61% | 24th bottom |
| Cost of Funds | 2.40% | 2.03% | +0.37% | 25th below |
| Net Interest Spread | 2.17% | 3.18% | -1.01% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.97% | -0.92% | 93rd top |
| NPA / Total Assets | 0.03% | 0.75% | -0.72% | 93rd top |
| NCO / Avg Loans | 0.41% | 0.31% | +0.10% | 11th bottom |
| ACL / Total Loans | 1.12% | 1.25% | -0.13% | 44th below |
| ACL / NPLs (Coverage) | 2443.31% | 696.90% | +1746.41% | — |
| Texas Ratio | 0.67% | 7.17% | -6.50% | 90th top |
| Provision / NCO | 36.44% | 815.56% | -779.12% | 17th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.85% | 17.41% | -4.56% | 39th below |
| Tier 1 Ratio | 12.85% | 17.45% | -4.60% | 39th below |
| Total Capital Ratio | 13.73% | 18.51% | -4.78% | 35th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.16% | 11.60% | -0.44% | 63rd above |
| Equity / Assets | 8.89% | 11.33% | -2.44% | 20th bottom |
| TCE / Tangible Assets | 8.89% | 10.65% | -1.76% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.00% | 86.36% | -10.36% | 77th top |
| Core Deposit Ratio | 91.11% | 85.55% | +5.56% | 63rd above |
| Uninsured Deposit Ratio | 42.11% | 32.70% | +9.41% | 22nd bottom |
| Wholesale Funding Ratio | 6.34% | 5.45% | +0.89% | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.43% | 10.46% | -1.03% | 74th above |
| Loan Growth (Y/Y) | 2.02% | 8.00% | -5.98% | 28th below |
| Deposit Growth (Y/Y) | 12.26% | 7.97% | +4.29% | 81st top |
See The North Side Bank and Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The North Side Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The North Side Bank and Trust Company profile, how to read a UBPR, or how this data updates.