BlastPoint's Banking Scorecard
The North Side Bank and Trust Company
Community
Specialty: Commercial
OH
FDIC cert 9457
Cincinnati, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
The North Side Bank and Trust Company faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 5% in Community
- - Credit Quality Pressure: Bottom 16% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+5.9% YoY
+6.0% QoQ
|
-$211.3M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$736.9M
+2.7% YoY
+1.2% QoQ
|
-$238.6M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$987.7M
+5.3% YoY
+7.0% QoQ
|
-$176.9M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
1.01%
+29.6% YoY
+3.8% QoQ
|
-0.15% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
2.77%
+4.9% YoY
-0.0% QoQ
|
-0.89% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
55.17%
-9.0% YoY
-0.7% QoQ
|
-7.46% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
0.17%
+41.5% YoY
+8.7% QoQ
|
-0.46% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
74.60%
-2.5% YoY
-5.5% QoQ
|
-8.46% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
24.54%
+7.5% YoY
+11.7% QoQ
|
+3.50% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.11%
+37.2% YoY
+3.8% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
12.62%
+5.5% YoY
+0.6% QoQ
|
+2.38% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.35%
-5.7% YoY
+30.4% QoQ
|
-0.39% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#34 of 642 · Bottom 5% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Credit Quality Pressure
risk
#128 of 808 · Bottom 16% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.17%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
77
77th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
73
73th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
73
73th pctile
Efficiency Ratio
Current: 55.17% · Tier avg: 62.63%
73
73th pctile
Loan-to-Deposit Ratio
Current: 74.60% · Tier avg: 83.06%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.54% · Tier avg: 21.05%
59
59th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
58
58th pctile
Total Deposits
Current: $987.7M · Tier avg: $1.2B
54
54th pctile
Tier 1 Capital Ratio
Current: 12.62% · Tier avg: 10.24%
53
53th pctile
Total Loans
Current: $736.9M · Tier avg: $975.5M
40
40th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
29
29th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
11
11th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.66%
Top Weaknesses
11
11th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.66%
29
29th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
40
40th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
53
53th pctile
Total Loans
Current: $736.9M · Tier avg: $975.5M
54
54th pctile
Tier 1 Capital Ratio
Current: 12.62% · Tier avg: 10.24%
58
58th pctile
Total Deposits
Current: $987.7M · Tier avg: $1.2B
59
59th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.54% · Tier avg: 21.05%
73
73th pctile
Loan-to-Deposit Ratio
Current: 74.60% · Tier avg: 83.06%
73
73th pctile
Efficiency Ratio
Current: 55.17% · Tier avg: 62.63%
73
73th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%