Applications / Mortgage Analytics / Lenders / Ohio / The North Side Bank and Trust Company
Cincinnati, OH · State member bank · FRS · $1.2 billion assets · 434 loans in 2025
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434
loans originated, 2025
533
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The North Side Bank and Trust Company is as much a home-improvement lender as a purchase lender: such loans made up 28.8% of its 2025 lending in Cincinnati, close to the 31.8% for home purchases.
Home improvement and other purposes together made up nearly half its lending, and refinancing another 22.6%. So most of its borrowers may already have owned their homes. That may help explain its small loans: the typical one was $135,000, against $185,000 at similar banks, meaning state member banks making between half and twice as many loans.
It made 434 loans in 2025, against 433 a year earlier, while similar banks grew by 6%. Its record has one break: loans jumped from 199 in 2021 to 678 in 2022, then fell back to 450 in 2023. What drove that jump is not clear from its filings.
It lends in a single metro, Cincinnati. Loans in poorer neighborhoods (low- and moderate-income, or LMI, tracts) made up 20.7% of its lending, higher than at about seven in ten similar banks. Yet only 16.7% went to LMI borrowers, against 28.2% at its peers. One possible reason is its product mix: most of its loans go to people who already own their homes, not to buyers.
Only 0.2% of its loans were higher-priced (a rate well above the average for similar loans), against 2.4% at similar banks.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The North Side Bank and Trust Company took 533 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 31.8% · Home improvement 28.8% · Refinance 22.6% · Other 16.8%
Conventional 100.0% · of 434 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 401 | 92.4% |
| Kentucky | 28 | 6.5% |
| Indiana | 5 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 434 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000FE7FNF0BV8N77 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 615217 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39457 | 1990–1998 |
| Respondent ID (the HMDA filer code before 2018) | 2615217 | 1999–2017 |
Established 1 January 1892. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The North Side Bank and Trust Company's data.
The North Side Bank and Trust Company's data
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The North Side Bank and Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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