BlastPoint's Banking Scorecard
The North Side Bank and Trust Company
Designations: ✓ Community bank
Cincinnati, OH
9 branches across OH
The North Side Bank and Trust Company has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.70% below tier average
- + Delinquency Rate 0.65% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 19.0% in tier
- - Net Interest Margin 1.14% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+10.8% YoY
-1.6% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 13.5% in tier |
| Total Loans ? |
$736.5M
+2.4% YoY
-0.0% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 9.8% in tier |
| Total Deposits ? |
$961.5M
+11.0% YoY
-2.7% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 11.9% in tier |
| Return on Assets ? |
0.82%
-25.9% YoY
-19.3% QoQ
|
-0.55% |
1.37%
+19.6% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
2.68%
-0.6% YoY
-3.4% QoQ
|
-1.14% |
3.82%
+6.9% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.6% in tier |
| Efficiency Ratio ? |
55.36%
-4.6% YoY
+0.3% QoQ
|
-5.70% |
61.06%
-4.6% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
63% |
| Delinquency Rate ? |
0.24%
-50.1% YoY
+40.3% QoQ
|
-0.65% |
0.89%
+14.1% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
76.60%
-7.8% YoY
+2.7% QoQ
|
-7.60% |
84.20%
+0.3% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
23.35%
+5.2% YoY
-4.9% QoQ
|
+2.06% |
21.29%
-2.5% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.15%
-53.9% YoY
+42.5% QoQ
|
-0.52% |
0.67%
+15.6% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
79% |
| Tier 1 Capital Ratio ? |
12.74%
+4.0% YoY
+0.9% QoQ
|
-2.42% |
15.16%
+2.0% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.10%
+5.8% YoY
-72.0% QoQ
|
-0.16% |
0.26%
+1.6% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
31% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.