The North Side Bank and Trust Company: how it compares with its peers
Against 32 OH banks with half to twice its assets, The North Side Bank and Trust Company's strongest measure in Q2 2026 is assets per employee ($10.8M vs. a $7.1M peer median). Its weakest relative measure is net interest margin (2.79% vs. 3.78%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.12% | 1.20% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.79% | 3.78% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.04% | 60.64% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.8M | $7.1M | Top third Ahead of 84% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.15% | 81.76% | Context |
What it means for lending operations
Its efficiency ratio of 53.04% is better than the 60.64% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Liberty Savings Bank, F.S.B. Wilmington, OH · $1.11B
- The Citizens National Bank of Bluffton Bluffton, OH · $1.10B
- First State Bank Winchester, OH · $1.24B
- The Merchants National Bank Hillsboro, OH · $1.27B
- Consumers National Bank Minerva, OH · $1.28B
- The Commercial and Savings Bank of Millersburg, Ohio Millersburg, OH · $1.30B
Questions about The North Side Bank and Trust Company
How big is The North Side Bank and Trust Company?
The North Side Bank and Trust Company, established in 1892, is headquartered in Cincinnati, OH. It reported $1.17B in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is The North Side Bank and Trust Company's return on assets?
1.12% annualized in Q2 2026, against a 1.20% median for 32 OH banks with half to twice its assets, ahead of 31% of them.
What is The North Side Bank and Trust Company's efficiency ratio?
53.04% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 60.64%, and lower is better.
Is The North Side Bank and Trust Company growing its loans?
Net loans grew 2.1% over the year to Q2 2026, while deposits grew 12.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.