BanksNATIONAL COOPERATIVE BANK, N.A.

NATIONAL COOPERATIVE BANK, N.A.

HILLSBORO, OHLargeEst. Sept. 16, 1988, midnightFDIC #32612RSSD #99376OCC
Latest · 2025-12-31

NATIONAL COOPERATIVE BANK, N.A. is an FDIC-insured commercial bank headquartered in HILLSBORO, OH, established in Sept. 16, 1988, midnight. As of 2025-12-31, the bank reported total assets of $4.1B and total deposits of $3.5B. Profitability stands at 1.69% ROA and 15.36% ROE, with a net interest margin of 3.83%. CET1 capital ratio: 14.44%, well above regulatory minimums. NPL ratio: 0.47% · Texas Ratio: 3.31%. Operates 1 domestic branch.

Assets
$4.1B
Deposits
$3.5B
Loans
$3.2B
Equity
$451M

Profitability

Return on Assets (ROA)1.69%
Return on Equity (ROE)15.36%
Net Interest Margin3.83%
Yield on Assets6.25%
Cost of Funds2.53%

Asset Quality

NPL Ratio0.47%
Net Charge-Off Ratio0.01%
Texas Ratio3.31%
NPA Ratio0.39%
ACL / Loans0.90%

Capital & Liquidity

CET1 Ratio14.44%
Tier 1 Capital14.44%
Total Capital Ratio15.42%
Leverage Ratio10.92%
Loan-to-Deposit90.83%

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