National Cooperative Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
National Cooperative Bank, N.A., based in Hillsboro, Ohio, reported $4.3 billion in assets at June 30, 2026, up 7.3% from a year earlier. It holds about half of its deposits (57%) above the FDIC insurance limit, about double the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets.
Earnings jumped: net income for the quarter was $14 million, 89% above the same quarter a year earlier. Over the same year, loans grew 8.3% and deposits grew 2.8%. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.81% of loans from 0.55% a year earlier.
As of June 30, 2026, National Cooperative Bank, N.A. reported a CET1 capital ratio of 14.05%, a return on assets of 1.38%, a nonperforming-loan ratio of 2.67% and a Texas ratio of 5.69%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 139 S High St, Hillsboro, OH 45133
- County
- Highland
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- September 16, 1988
- Former names
- NCB, FSB (2001-2014); NCB Savings Bank, FSB (1991-2001)
- Offices
- 1 domestic
- Employees (FTE)
- 349
- Domestic deposits
- $3.57B
- Allowance for credit losses
- $29.8M
- Net charge-offs (YTD)
- $330K
- Average total assets
- $4.21B
- Average total loans
- $3.34B
- Average interest-bearing deposits
- $3.01B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32612
- Fed RSSD
- 99376
- SEC CIK
- 356801 → filed by NATIONAL CONSUMER COOPERATIVE BANK
- Website
- www.ncb.coop →
- Parent Holding Company
- NCB FINANCIAL CORPORATION (RSSD 3857308)
- Ultimate Parent
- NATIONAL CONSUMER COOPERATIVE BANK (RSSD 2398082)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full National Cooperative Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock National Cooperative Bank, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
National Cooperative Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for National Cooperative Bank, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.05% | 1.38% | 0.95% | 5.69% | 3.49% |
| Q1 2026 | 14.70% | 1.38% | 0.73% | 4.23% | 3.43% |
| Q4 2025 | 14.44% | 1.65% | 0.52% | 3.32% | 3.51% |
| Q3 2025 | 13.73% | 1.14% | 0.58% | 3.93% | 3.40% |
| Q2 2025 | 13.31% | 0.77% | 0.59% | 4.07% | 3.30% |
| Q1 2025 | 13.51% | 1.15% | 0.69% | 4.74% | 3.13% |
| Q4 2024 | 13.36% | 0.42% | 0.71% | 4.92% | 3.11% |
| Q3 2024 | 12.47% | 0.92% | 0.48% | 3.47% | 2.89% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| National Cooperative Bank, N.A. (main office) | Hillsboro , OH | 45133 | $3.57B |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 31, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
What the public regulatory sources show for National Cooperative Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- July 16, 1991, OCC (former OTS): Supervisory Agreement: NCB Savings Association
- Period: Most recent institution action July 16, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in OH, rank 16 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,015 applications, 615 loans originated, $816.5M originated, across 39 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $7.5M approved, $3.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about National Cooperative Bank, N.A.
What are National Cooperative Bank, N.A.'s total assets?
As of the Q2 2026 filing, National Cooperative Bank, N.A. reported total assets of $4.33 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is National Cooperative Bank, N.A. headquartered?
National Cooperative Bank, N.A. is headquartered in Hillsboro, OH, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was National Cooperative Bank, N.A. founded?
National Cooperative Bank, N.A. was established in 1988, per the FDIC institution directory.
Is National Cooperative Bank, N.A. FDIC-insured?
Yes. National Cooperative Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #32612). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates National Cooperative Bank, N.A.?
National Cooperative Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is National Cooperative Bank, N.A.'s CET1 capital ratio?
National Cooperative Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 14.05% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does National Cooperative Bank, N.A. operate?
National Cooperative Bank, N.A. operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is National Cooperative Bank, N.A.'s Texas Ratio?
National Cooperative Bank, N.A.'s Texas Ratio is 5.69% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was National Cooperative Bank, N.A. previously called?
The charter now named National Cooperative Bank, N.A. has also operated as NCB, FSB (2001-2014), NCB Savings Bank, FSB (1991-2001), per FDIC structure-change records.
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