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National Cooperative Bank, N.A.

Hillsboro, OH · Cert 32612 · National Consumer Coop Bank

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

64

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

43

Q2 2024Q2 2026peer median

Efficiency

31

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

National Cooperative Bank, N.A.

Hillsboro, OH · Cert 32612 · National Consumer Coop Bank

National charter · OCC · 1 branch

Q2 2026

$4.3BAssets
$3.4BLoans
$3.6BDeposits
$477.7MEquity
Loan mix
68%RE $2.1B30%C&I $0.9B2%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $3.1B14%Noninterest $0.5BQ2 2025Q2 2026

NIM

5.51%Q2 ’245.44%Q2 ’255.38%Q2 ’26+11%+8%

Non-interest income vs. expense

2.85%Q2 ’243.04%Q2 ’253.11%Q2 ’26+4%-8%

Executive Summary

  • Earnings: ROA of 1.37%, up 41 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 2.67% of loans (+60 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 11.28%, up 69 bps from a year ago.
  • Funding: loans stand at 96.32% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.37%+41 bps YoY

Net Interest Margin (YTD, annualized)

3.37%+26 bps YoY

Efficiency Ratio (YTD, annualized)

66.21%-584 bps YoY

Tier 1 Leverage Ratio

11.28%+69 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%1.03%1.19%1.39%1.37%+41 bps
Return on Equity9.13%9.67%11.13%12.50%12.40%+327 bps
Net Interest Margin3.11%3.17%3.19%3.37%3.37%+26 bps
Efficiency Ratio72.05%71.33%69.71%66.29%66.21%-584 bps
Non-Interest Burden1.94%1.95%1.88%1.85%1.79%-15 bps
Growth
Asset Growth (YoY)9.47%2.50%8.71%6.01%7.25%-222 bps
Loan Growth (YoY)12.98%3.16%6.10%4.39%8.33%-465 bps
Deposit Growth (YoY)15.78%7.08%9.43%5.45%2.77%-1,302 bps
Asset Quality
Nonperforming Loans / Loans2.07%2.03%2.27%2.50%2.67%+60 bps
Net Charge-Offs / Loans0.00%0.01%0.01%0.01%0.02%+2 bps
Allowance / Loans0.91%0.94%0.90%0.88%0.87%-5 bps
Allowance Coverage of NPLs0.4x0.5x0.4x0.4x0.3x-0.1x
Capital
Tier 1 Leverage Ratio10.59%10.75%10.92%11.16%11.28%+69 bps
Total Risk-Based Capital14.30%14.74%15.42%15.66%14.99%+69 bps
Equity / Assets10.42%11.00%10.99%11.18%11.04%+61 bps
Liquidity & Funding
Loans / Deposits91.38%94.60%90.83%90.73%96.32%+495 bps
Liquid Assets / Assets6.95%4.13%7.13%8.05%6.59%-36 bps
CRE / Total Capitaln/a282%268%258%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

National Cooperative Bank, N.A.

Hillsboro, OH · Cert 32612 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · National Consumer Coop Bank

National charter · OCC · 1 branch

Q2 2026

$4.3BAssets
$3.4BLoans
$3.6BDeposits
$477.7MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 65% of banks $1B-$10B in assets operating in a single state (rank 91 of 258).
  • Widest gap: nonperforming loans / loans trails 95% of banks $1B-$10B in assets operating in a single state (rank 246 of 258).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.33%

Rank 103 of 258

Net Interest Margin

3.37%

Rank 148 of 258

Efficiency Ratio

66.21%

Rank 178 of 257

Equity / Assets

11.04%

Rank 96 of 258

Non-interest income vs. expense

$55.8M$130.9MINCOMEEXPENSE
Unfavorable gap of $75.1M · efficiency ratio beats 31% of banks $1B-$10B in assets operating in a single state
Bank 66.21%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.33%0.93%1.23%1.54%Beats 60%103 / 258
Return on Equity12.05%9.26%11.84%14.74%Beats 51%126 / 258
Net Interest Margin3.37%3.16%3.49%3.88%Beats 43%148 / 258
Efficiency Ratio66.21%51.71%60.30%69.65%Beats 31%178 / 257
Asset Quality
Nonperforming Loans / Loans2.67%0.19%0.46%0.90%Beats 5%246 / 258
Net Charge-Offs / Loans0.02%0.01%0.02%0.07%Beats 55%118 / 258
Capital
Tier 1 Capital Ratio14.05%11.41%12.98%15.12%Beats 65%91 / 258
Total Risk-Based Capital Ratio14.99%12.10%13.91%16.08%Beats 64%92 / 258
Equity / Assets11.04%9.09%10.24%11.72%Beats 63%96 / 258
Liquidity & Funding
Loans / Deposits96.32%73.24%86.34%95.95%76th pctl63 / 258
Loans / Assets79.37%63.01%72.27%78.40%78th pctl57 / 258
Brokered Deposits / Depositsn/aNot reported for this institution