The North Side Bank and Trust Company on Your Credit Report
In short: The North Side Bank and Trust Company is a state-chartered commercial bank that is a member of the Federal Reserve System, headquartered in Cincinnati, Ohio. The FDIC lists it under certificate 9457, established January 1, 1892. That makes it a nineteenth-century charter, so its reporting history predates most of the systems that now carry it. As of the 06/30/2026 call report, The North Side Bank and Trust Company held $1.17 billion in assets and operated 9 FDIC-reported offices. Because The North Side Bank and Trust Company lends on its own balance sheet rather than servicing another lender's paper, it is the furnisher of record on its own tradelines, which gives you a direct FCRA §623 dispute route to the bank alongside the §611 route through the three bureaus. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who The North Side Bank and Trust Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The North Side Bank and Trust Company is an FDIC-insured state bank under certificate 9457, headquartered in Cincinnati, Ohio, with $1.17 billion in total assets and 9 FDIC-reported offices as of the 06/30/2026 call report; its charter dates to January 1, 1892.
How The North Side Bank and Trust Company appears on your credit report
Treat The North Side Bank and Trust Company as an original creditor rather than a collection agency — the dispute route is different. At $1.17 billion in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. Identify the account by its last four digits and open date, name the single field that is wrong, and send the same dispute to all three bureaus so both FCRA tracks run in parallel. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Ohio offices
- ◆Mortgage and home-equity credit originated in the Ohio market
- ◆Consumer accounts originated across its 9 Ohio offices
Grounds to dispute a The North Side Bank and Trust Company entry
Each of these is a reason a The North Side Bank and Trust Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by The North Side Bank and Trust Company
- ◆Account settled with The North Side Bank and Trust Company still reporting the original charged-off balance
- ◆Duplicate North Side Bank and Trust Company tradeline created when the account migrated between core systems
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
The North Side Bank and Trust Company is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, The North Side Bank and Trust Company has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send The North Side Bank and Trust Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The North Side Bank and Trust Company questions, answered
Is The North Side Bank and Trust Company FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 9457. That record lists The North Side Bank and Trust Company as a state-chartered commercial bank that is a member of the Federal Reserve System headquartered in Cincinnati, OH, chartered January 1, 1892, with $1.17 billion in assets across 9 FDIC-reported offices on the 06/30/2026 call report.
Who regulates The North Side Bank and Trust Company, and where do I escalate if a dispute fails?
The North Side Bank and Trust Company is a state-chartered commercial bank that is a member of the Federal Reserve System, so its primary oversight runs through the Federal Reserve and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against The North Side Bank and Trust Company?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The North Side Bank and Trust Company exactly, and we will not approximate one by partial-name matching — that routinely pulls in unrelated companies with similar names. Rather than imply a count we cannot source, we leave it out. The database is public and searchable at consumerfinance.gov.
How long can a North Side Bank and Trust Company charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the North Side Bank and Trust Company account. That anchor date does not reset when the balance is charged off, sold, or transferred. A North Side Bank and Trust Company tradeline whose delinquency date drifts later is re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with The North Side Bank and Trust Company and disputing with a collector?
A collector's tradeline is a second, separate entry derived from information passed along at sale or placement. The North Side Bank and Trust Company's tradeline is the original, backed by the bank's own account records. That asymmetry is why a specific factual dispute to The North Side Bank and Trust Company tends to produce a documented answer, while the same dispute to a collector often produces only a verification code.
Does The North Side Bank and Trust Company report to all three credit bureaus?
Not necessarily — reporting is voluntary, and a mid-size regional institution may furnish to a subset of the bureaus on staggered cycles. Review all three reports side by side. Treat a balance discrepancy as a likely timing difference, but treat a conflicting account status or date of first delinquency on the North Side Bank and Trust Company tradeline as a genuine dispute target.
The North Side Bank and Trust Company was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted The North Side Bank and Trust Company account can appear under both the old and new furnisher name at once. Only one tradeline should survive, and the duplicate needs to be deleted rather than marked closed, since a duplicate still inflates your utilization and account count. Here, a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten. Identify both versions by last four digits and open date when you dispute.
Can I dispute The North Side Bank and Trust Company reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send The North Side Bank and Trust Company a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on The North Side Bank and Trust Company reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Given that a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten, pull your own statements and check the North Side Bank and Trust Company entry field by field. One documented error beats a broad removal request every time.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by The North Side Bank and Trust Company; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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