What is The North Side Bank and Trust Company's financial health grade?

The North Side Bank and Trust Company has a TFS Financial Health Grade of C (score: 75.7/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The North Side Bank and Trust Company have?

The North Side Bank and Trust Company has 9 branch locations across the United States.

Is The North Side Bank and Trust Company FDIC insured?

Yes, The North Side Bank and Trust Company is FDIC insured (Certificate #9457).

What are the total assets of The North Side Bank and Trust Company?

The North Side Bank and Trust Company has total assets of $1.2B as reported in its most recent FDIC filing.

The North Side Bank and Trust Company

BankCincinnati, Ohio

www.nsbt.net

Total Assets

$1.2B

Total Deposits

$987.7M

Branches

Established

1892

TFS Health Grade

75.7 / 100

Average financial health

How we grade

The North Side Bank and Trust Company is a bank headquartered in Cincinnati, Ohio, established in 1892. With $1.2B in total assets and 9 branch locations, it has a TFS Financial Health Grade of C (75.7/100).

Capital & Safety

Tier 1 Capital Ratio

10.85%(8%)

Total Capital Ratio

13.58%(10%)

Non-Performing Loan Ratio

0.17%

Profitability

Return on Assets (ROA)

1.01%(1%)

Return on Equity (ROE)

11.73%(10%)

Net Interest Margin

2.77%

Efficiency Ratio

55.17%(60%)

Lending & Liquidity

Total Loans

$746.0M

Loan-to-Deposit Ratio

74.60%

Net Charge-Off Ratio

0.05%

Growth

Asset Growth (YoY)

+5.86%

Deposit Growth (YoY)

+5.33%

Net Income

$11.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
The North Side Bank and Trust CompanyHQ	4125 Hamilton Ave	Cincinnati	OH	11
The North Side Bank and Trust Company	906 N Bend Rd	Cincinnati	OH	11
The North Side Bank and Trust Company	9315 Colerain Ave	Cincinnati	OH	11
The North Side Bank and Trust Company	9407 Kenwood Rd	Cincinnati	OH	11
The North Side Bank and Trust Company	633 Anderson Ferry Rd	Cincinnati	OH	11
The North Side Bank and Trust Company	1111 Saint Gregory St	Cincinnati	OH	11
The North Side Bank and Trust Company	2739 Madison Rd	Cincinnati	OH	11
The North Side Bank and Trust Company	11628 Springfield Pike	Springdale	OH	11
The North Side Bank and Trust Company	8615 Shepherd Farm Dr	West Chester	OH	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.