The North Side Bank and Trust Company
Cincinnati, OH
IDRSSD: 615217
Total Assets
$1.11B
Latest filing
Total Deposits
$923.06M
Latest filing
Net Interest Margin
2.89%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The North Side Bank and Trust Company
4125 Hamilton Ave
Cincinnati, OH 45223
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1892FDIC Certificate 6077
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| The North Side Bank and Trust Company (Main) | 4125 Hamilton Ave | Cincinnati, OH |
| FINNEYTOWN BRANCH | 906 N Bend Rd | Cincinnati, OH |
| COLERAIN BRANCH | 9315 Colerain Ave | Cincinnati, OH |
| BLUE ASH BRANCH | 9407 Kenwood Rd | Cincinnati, OH |
| DELHI BRANCH | 633 Anderson Ferry Rd | Cincinnati, OH |
| WEST CHESTER BRANCH | 8615 Shepherd Farm Dr | West Chester, OH |
| SPRINGDALE BRANCH | 11628 Springfield Pike | Springdale, OH |
| HYDE PARK BRANCH | 2739 Madison Rd | Cincinnati, OH |
Showing 7 of 8
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1892 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45223 |
| State and County Number | 39061 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Cincinnati, OH-KY-IN |
Operational Info
| Number of Employees | 112 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.nsbt.net |
| Data Updated | 11/14/2025 |
| CERT | 9457 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.11B |
| Total Deposits | $923.06M |
| Total Liabilities | $1.01B |
| Total Equity Capital | $99.17M |
| Net Income | $2.41M |
| Net Loans and Leases | $728.38M |
| Assets Per Employee ($Millions) | $10.41M |
| Bank Premises and Fixed Assets | $3.58M |
| Cash and Balances due from Depository Institutions | $116.94M |
| Deposits Held in Domestic Offices | $923.06M |
Key Performance Ratios
| Return on Assets (ROA) | 0.88% |
| Return on Equity (ROE) | 9.93% |
| Net Interest Margin | 2.89% |
| Efficiency Ratio | 53.78% |
| Tier 1 Risk-Based Capital Ratio | 12.539% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.907% |
| Earning Assets to total Assets | 94.95% |
Income and Expense
| Total Interest Income | $13.71M |
| Total Noninterest Income | $1.00M |
| Total Interest Expense | $6.24M |
| Total Noninterest Expense | $4.56M |
| Net Interest Income | $7.47M |
| Pre-tax Net Operating Income | $3.62M |
| Provision for Credit Losses | $300.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.02M |
| Federal Funds Purchased and Repurchased Agreement | $86.85M |
| All Other Liabilities | $4.26M |
| Total Liabilities and Capital | $1.11B |
Securities
| Securities | $229.47M |
| Available-for-sale debt securities | $166.28M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $60.09M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The North Side Bank and Trust Company?
$1.11B as of the latest filing.
How much are The North Side Bank and Trust Company's total deposits?
$923.06M in total deposits.
Where is The North Side Bank and Trust Company located?
Cincinnati, OH.
What is the Net Interest Margin?
2.89%.
How many domestic offices does it operate?
9.
When was it established?
01/01/1892.
What is the Return on Assets (ROA)?
0.88%.
How much are total loans and leases?
$728.38M (latest filing).
What is the total interest income (latest filing)?
$13.71M.