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Letter portraitLegal landscapeQuarterYTD

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 $0.1BQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $3.1B14%Noninterest $0.5BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.71%1.16%0.96%1.03%1.19%1.39%1.37%+41 bps
Return on Equity7.51%6.62%10.94%9.13%9.67%11.13%12.50%12.40%+327 bps
Net Interest Margin2.80%2.82%3.07%3.11%3.17%3.19%3.37%3.37%+26 bps
Efficiency Ratio75.30%77.03%70.71%72.05%71.33%69.71%66.29%66.21%-584 bps
Non-Interest Burden1.82%1.93%1.81%1.94%1.95%1.88%1.85%1.79%-15 bps
Growth
Asset Growth (YoY)11.03%9.27%4.90%9.47%2.50%8.71%6.01%7.25%-222 bps
Loan Growth (YoY)11.35%7.26%12.50%12.98%3.16%6.10%4.39%8.33%-465 bps
Deposit Growth (YoY)16.53%14.52%9.96%15.78%7.08%9.43%5.45%2.77%-1,302 bps
Asset Quality
Nonperforming Loans / Loans1.42%1.80%1.58%2.07%2.03%2.27%2.50%2.67%+60 bps
Net Charge-Offs / Loans0.11%0.08%0.01%0.00%0.01%0.01%0.01%0.02%+2 bps
Allowance / Loans0.81%0.89%0.86%0.91%0.94%0.90%0.88%0.87%-5 bps
Allowance Coverage of NPLs0.6x0.5x0.5x0.4x0.5x0.4x0.4x0.3x-0.1x
Capital
Tier 1 Leverage Ratio10.60%10.48%10.68%10.59%10.75%10.92%11.16%11.28%+69 bps
Total Risk-Based Capital13.31%14.31%14.44%14.30%14.74%15.42%15.66%14.99%+69 bps
Equity / Assets10.39%10.66%10.58%10.42%11.00%10.99%11.18%11.04%+61 bps
Liquidity & Funding
Loans / Deposits98.19%93.68%91.65%91.38%94.60%90.83%90.73%96.32%+495 bps
Liquid Assets / Assets6.51%5.59%6.47%6.95%4.13%7.13%8.05%6.59%-36 bps
CRE / Total Capitaln/an/an/an/a282%268%258%n/an/a