The North Side Bank and Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.22 percentage points to 2.92%. Within Ohio, The North Side Bank and Trust Company is 133rd of 156 on net interest margin, 2.92% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. The North Side Bank and Trust Company sits 0.79 points lower, at 2.92% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.10% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.40% |
| Cost of interest-bearing deposits | 2.98% |
| Cost of interest-bearing liabilities | 2.93% |
| Cost of borrowings | 2.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.92% |
| Yield to cost spread | 2.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.2M |
| Total interest expense | $6.1M |
| Interest expense on deposits | $5.6M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 4.92% | 2.22% | 2.77% |
| Q4 2023 | 5.16% | 2.54% | 2.71% |
| Q1 2024 | 5.08% | 2.61% | 2.59% |
| Q2 2024 | 5.23% | 2.70% | 2.71% |
| Q3 2024 | 5.10% | 2.83% | 2.55% |
| Q4 2024 | 5.12% | 2.70% | 2.60% |
| Q1 2025 | 5.03% | 2.50% | 2.68% |
| Q2 2025 | 5.18% | 2.57% | 2.80% |
| Q3 2025 | 5.24% | 2.59% | 2.86% |
| Q4 2025 | 5.07% | 2.54% | 2.75% |
| Q1 2026 | 4.93% | 2.50% | 2.70% |
| Q2 2026 | 5.10% | 2.40% | 2.92% |
The North Side Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The North Side Bank and Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)