TellerScore

The North Side Bank and Trust Company is a state-chartered bank (fed member) headquartered in Cincinnati, Ohio, in business for about 134 years. At the end of Q2 2026 it reported $1.2B in total assets and $989.5M in deposits, with 9 offices.

The North Side Bank and Trust Company has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 897 banks with $1 billion – $10 billion. Among 157 banks headquartered in Ohio, it ranks 53rd. Problem-loan coverage contributes the most (99/100, 0.7%); funding & liquidity contributes the least (55/100, 75% loans-to-deposits, 42% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Tier 1 leverage ratio: 11.16%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.10%
Earnings65/100
Return on assets (annualized): 1.12%
Funding & liquidity55/100
Loans ÷ deposits and uninsured-deposit share: 75.1% · 42.1% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.67%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (71 → 74), mostly because the loan quality component improved by 11 points.

TellerScore
697274Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202472
Q4 202470
Q1 202571
Q2 202571
Q3 202573
Q4 202572
Q1 202669
Q2 202674
Tier 1 leverage ratio
5.00%8.30%11.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.60%
Q3 202411.39%
Q4 202410.84%
Q1 202511.27%
Q2 202511.58%
Q3 202511.36%
Q4 202510.85%
Q1 202611.04%
Q2 202611.16%
Noncurrent loans
0.03%0.26%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.03%
Q3 20240.18%
Q4 20240.12%
Q1 20250.48%
Q2 20250.41%
Q3 20250.16%
Q4 20250.17%
Q1 20260.24%
Q2 20260.10%
Return on assets
0.78%0.95%1.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.88%
Q3 20240.83%
Q4 20240.78%
Q1 20251.10%
Q2 20251.03%
Q3 20250.98%
Q4 20251.01%
Q1 20260.82%
Q2 20261.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$1.2B11.16%0.10%1.12%75.1%
Q1 202669$1.2B11.04%0.24%0.82%76.6%
Q4 202572$1.2B10.85%0.17%1.01%74.6%
Q3 202573$1.1B11.36%0.16%0.98%78.9%
Q2 202571$1.1B11.58%0.41%1.03%82.6%
Q1 202571$1.0B11.27%0.48%1.10%83.1%
Q4 202470$1.1B10.84%0.12%0.78%76.5%
Q3 202472$1.1B11.39%0.18%0.83%77.5%
Q2 202474$996.0M11.60%0.03%0.88%86.1%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.16%
63rd
Total risk-based capital13.73%
51st
Problem loans0.10%
87th
Net charge-offs0.33%
12th
Return on assets1.12%
40th
Net interest margin2.79%
9th
Efficiency ratio53.0%
67th
Loans to deposits75.1%
76th
Uninsured deposits42.1%
22nd
Loan-loss reserves1.12%
45th
Texas ratio0.7%
88th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Liberty Savings Bank, F.S.B.Bank Wilmington, OH52 out of 100, Below average$1.1B9.6%1.42%vs
The Citizens National Bank of BlufftonBank Bluffton, OH71 out of 100, Strong$1.1B11.0%0.66%vs
First State BankBank Winchester, OH70 out of 100, Strong$1.2B10.5%0.86%vs
The Merchants National BankBank Hillsboro, OH64 out of 100, Moderate$1.3B8.9%0.53%vs
Consumers National BankBank Minerva, OH65 out of 100, Moderate$1.3B8.4%0.07%vs
The Commercial and Savings Bank of Millersburg, OhioBank Millersburg, OH69 out of 100, Moderate$1.3B10.2%0.84%vs

Deposit insurance

Is my money safe at The North Side Bank and Trust Company?

Yes. The North Side Bank and Trust Company is an FDIC-insured institution (FDIC certificate #9457). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 42.1% of deposits ($416.7M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.16%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.73% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

The North Side Bank and Trust Company lists 9 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The North Side Bank and Trust Company
Type
State-chartered bank (Fed member)
FDIC certificate #
9457
RSSD ID
615217
Primary regulator
FED
Established
January 1, 1892
Headquarters
4125 Hamilton Ave, Cincinnati, OH 45223
Employees
109

Quick answers

The North Side Bank and Trust Company: common questions

Is The North Side Bank and Trust Company FDIC insured?

Yes. The North Side Bank and Trust Company is an FDIC-insured institution (FDIC certificate #9457). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The North Side Bank and Trust Company's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The North Side Bank and Trust Company ever failed?

There is no failure record for FDIC certificate #9457 in the FDIC failed bank list.

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

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Cincinnati

InstitutionScoreAssetsCapitalProblem loansCompare
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH92 out of 100, Very strong$30.8M18.2%0.82%vs
Children'S Medical Center Federal Credit UnionCredit union Cincinnati, OH91 out of 100, Very strong$46.8M20.3%0.52%vs
Northern Kentucky Federal Credit UnionCredit union Highland Height, KY91 out of 100, Very strong$43.1M14.0%0.29%vs
Deca Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$7.6M18.9%0.45%vs
St. James Parish Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$5.9M21.8%0.00%vs