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
Unfavorable gap of $75.1M · efficiency ratio beats 31% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.33% | 0.93% | 1.23% | 1.54% | Beats 60% | 103 / 258 | |
| Return on Equity | 12.05% | 9.26% | 11.84% | 14.74% | Beats 51% | 126 / 258 | |
| Net Interest Margin | 3.37% | 3.16% | 3.49% | 3.88% | Beats 43% | 148 / 258 | |
| Efficiency Ratio | 66.21% | 51.71% | 60.30% | 69.65% | Beats 31% | 178 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.67% | 0.19% | 0.46% | 0.90% | Beats 5% | 246 / 258 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 55% | 118 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 14.05% | 11.41% | 12.98% | 15.12% | Beats 65% | 91 / 258 | |
| Total Risk-Based Capital Ratio | 14.99% | 12.10% | 13.91% | 16.08% | Beats 64% | 92 / 258 | |
| Equity / Assets | 11.04% | 9.09% | 10.24% | 11.72% | Beats 63% | 96 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 96.32% | 73.24% | 86.34% | 95.95% | 76th pctl | 63 / 258 | |
| Loans / Assets | 79.37% | 63.01% | 72.27% | 78.40% | 78th pctl | 57 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |