Bank Comparison
National Cooperative Bank, N.A. vs United Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 10
winning metrics across 24 comparable rows
Capital adequacy
| Metric | National Cooperative Bank, N.A. | United Community Bank |
|---|---|---|
| CET1 Ratio | 14.70% | 13.83% |
| Tier 1 Capital Ratio | 14.70% | 13.83% |
| Total Capital Ratio | 15.66% | 15.04% |
| Tier 1 Leverage Ratio | 11.16% | 9.96% |
| Equity / Assets | 11.18% | 9.86% |
Profitability
| Metric | National Cooperative Bank, N.A. | United Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.38% | 1.22% |
| Return on Equity (ROE) | 12.50% | 12.37% |
| Net Interest Margin (NIM) | 3.43% | 2.91% |
| Yield on Earning Assets | 5.47% | 4.84% |
| Cost of Funds | 2.29% | 2.07% |
Asset quality
| Metric | National Cooperative Bank, N.A. | United Community Bank |
|---|---|---|
| Texas Ratio | 17.20% | 2.16% |
| Non-Performing Loan Ratio | 0.73% | 0.22% |
| Non-Performing Asset Ratio | 0.58% | 0.20% |
| Net Charge-Off Ratio | 0.01% | 0.02% |
| ACL / Loans | 0.88% | 1.30% |
Balance sheet
| Metric | National Cooperative Bank, N.A. | United Community Bank |
|---|---|---|
| Total Assets | $4,147M | $4,165M |
| Total Deposits | $3,543M | $3,531M |
| Total Loans | $3,215M | $2,577M |
| Total Equity | $463,725K | $410,524K |
| Net Income (quarter) | $14,289K | $12,578K |
Liquidity & funding
| Metric | National Cooperative Bank, N.A. | United Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 90.73% | 72.98% |
| Core Deposit Ratio | 95.06% | 95.99% |
| Uninsured Deposit Ratio | 57.86% | 37.56% |
Identity
| Metric | National Cooperative Bank, N.A. | United Community Bank |
|---|---|---|
| Headquarters City | HILLSBORO | CHATHAM |
| Headquarters State | OH | IL |
| Asset Tier | Large | Large |
| Charter Class | 25093 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 46 |
| Employees (FTE) | 339 | 562 |
| Established | Sept. 16, 1988, midnight | July 12, 1965, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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