BlastPoint's Banking Scorecard
The North Side Bank and Trust Company
Designations: ✓ Community bank
Cincinnati, OH
9 branches across OH
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
- Deposits +12.3% year over year ($989.5M on the books).
- Delinquency rate 0.10%.
- Return on assets 1.12%.
- Efficiency ratio 53.04% vs a 59.73% peer average.
- Loan-to-deposit ratio 75.15% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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 6.68% below tier average
- + Delinquency Rate 0.76% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.08% below tier average
- - ROA 0.27% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+9.4% YoY
+0.9% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 14.7% in tier |
| Total Loans ? |
$743.6M
+2.1% YoY
+1.0% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 10.1% in tier |
| Total Deposits ? |
$989.5M
+12.3% YoY
+2.9% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
Bottom 14.7% in tier |
| Return on Assets ? |
1.12%
+8.9% YoY
+37.3% QoQ
|
-0.27% |
1.39%
+17.0% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
39% |
| Net Interest Margin ? |
2.79%
+2.1% YoY
+4.2% QoQ
|
-1.08% |
3.87%
+6.2% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 8.8% in tier |
| Efficiency Ratio ? |
53.04%
-6.1% YoY
-4.2% QoQ
|
-6.68% |
59.73%
-12.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
68% |
| Delinquency Rate ? |
0.10%
-75.4% YoY
-57.6% QoQ
|
-0.76% |
0.87%
+11.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
Top 12.1% in tier |
| Loan-to-Deposit Ratio ? |
75.15%
-9.0% YoY
-1.9% QoQ
|
-9.89% |
85.04%
-0.1% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
23.83%
+6.3% YoY
+2.0% QoQ
|
+2.55% |
21.27%
-1.5% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.06%
-77.0% YoY
-57.6% QoQ
|
-0.61% |
0.67%
+11.7% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Top 10.4% in tier |
| Tier 1 Capital Ratio ? |
12.85%
+2.7% YoY
+0.9% QoQ
|
-1.99% |
14.84%
-0.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.19%
+1.7% YoY
+91.5% QoQ
|
-0.34% |
0.53%
+2.5% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
28% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.8%
+1.4pp YoY +0.5pp QoQ |
+2.5pp | 21.4% | 18.8% | 22.2% | 67% |
| Brokered Deposits | n/a | n/a | 9.5% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.0%
-3.2pp YoY -0.8pp QoQ |
+3.0pp | 14.0% | 10.2% | 12.5% | 73% |
| CRE |
49.3%
+2.8pp YoY +1.0pp QoQ |
-0.7pp | 50.0% | 34.2% | 41.4% | 47% |
| 1-4 Family |
32.0%
+0.4pp YoY +0.3pp QoQ |
+5.6pp | 26.4% | 50.0% | 31.3% | 69% |
| Consumer |
2.7%
-0.1pp YoY -0.6pp QoQ |
-2.0pp | 4.7% | 4.7% | 5.0% | 72% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.8%
+0.3pp YoY +0.1pp QoQ |
-2.7pp | 15.6% | 22.1% | 19.7% | 39% |
| Leverage Ratio |
11.2%
-0.4pp YoY +0.1pp QoQ |
-0.1pp | 11.3% | 12.9% | 12.6% | 63% |
| Total Capital Ratio |
13.7%
+0.3pp YoY +0.1pp QoQ |
-3.0pp | 16.7% | 23.2% | 20.8% | 35% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
109
-3 (-2.7%) YoY -4 (-3.5%) QoQ |
-205 | 313 | 2,433 | 482 | 10% |
| Assets per Employee ($) |
$10.8M
+12.4% YoY +4.7% QoQ |
+$271K | $10.5M | $7.6M | $8.8M | 71% |
| Branch Count |
9
0 YoY 0 QoQ |
-11 | 20 | 81 | 18 | 25% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
+0.1pp YoY |
-0.1pp | 0.2% | 0.2% | 0.4% | 65% |
| Nonaccrual |
0.0%
-0.4pp YoY -0.2pp QoQ |
-0.8pp | 0.8% | 0.6% | 1.0% | 5% |
| Allowance Coverage |
11.09x
+276.3% YoY +119.9% QoQ |
-7.62x | 18.71x | 18.95x | 20.23x | 90% |
| Net Charge-off Rate (YTD) |
0.3%
+0.3pp YoY +0.1pp QoQ |
+0.1pp | 0.3% | 0.1% | 0.2% | 87% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.8%
+0.7pp YoY +3.4pp QoQ |
+0.2pp | 12.6% | 9.7% | 11.6% | 54% |
| Cost of Funds (YTD) |
2.2%
-0.2pp YoY 0.0pp QoQ |
+0.3pp | 1.9% | 1.7% | 1.7% | 72% |
| Net Income ($, YTD) |
$6.6M
+18.3% YoY — QoQ |
-$12.7M | $19.2M | $259.3M | $40.4M | 20% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.