National Cooperative Bank, N.A.
BankRegReports is independent of National Cooperative Bank, N.A. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
National Cooperative Bank, N.A. is an FDIC-insured commercial bank headquartered in Hillsboro, OH, established in 1988 (FDIC certificate 32612), and it is supervised by the OCC. At Q2 2026 it reported total assets of $4.33B, up 7.3% from Q2 2025, the 12th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 14.05% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 32612
- Headquarters
- Hillsboro, OH
- Established
- 1988
- Total assets, Q2 2026
- $4.33B
- Assets vs Q2 2025
- +7.3%
- CET1 ratio, Q2 2026
- 14.05%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 242272227
- Latest call report
- Q2 2026, FFIEC 041 · National Cooperative Bank, N.A. call report
- Holding company
- NCB FINANCIAL CORPORATION
- Asset rank in state
- 12th of 154 in Ohio
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%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, National Cooperative Bank, N.A. is the 12th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.4% to $4.33B, loans rose 6.9% and deposits rose 0.7%. Its loan book on June 30, 2026 was led by multifamily loans, at 30.6% of total loans, followed by commercial and industrial loans at 28.0%. The FDIC Summary of Deposits lists a single office for it, in Hillsboro, OH. Judged on its Q2 2026 call report, National Cooperative Bank, N.A. meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 1 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, National Cooperative Bank, N.A.'s total assets ranged from $3.45B (Q3 2023) to $4.33B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.33B total assets against $4.04B; $3.85B total liabilities against $3.62B.
$3.41B net loans and leases against $3.14B; $3.57B total deposits against $3.47B.
$493.1M securities against $483.9M; $305.4M cash and balances due against $300.5M.
$57.5M total interest income against $55.8M; $21.5M total interest expense against $23.5M.
$36.0M net interest income against $32.2M.
$16.1M total noninterest income against $9.8M; $34.4M total noninterest expense against $30.9M.
$1.7M provision for credit losses against $2.9M.
$14.5M net income against $7.7M.
1.38% return on assets against 0.77%; 3.49% net interest margin against 3.30%.
14.05% CET1 capital ratio against 13.31%; 11.28% tier 1 leverage ratio against 10.59%.
Inside the full National Cooperative Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 52 of 980, for uninsured deposits; its furthest is 2,457 of 3,606, for efficiency ratio.
Metric pages for National Cooperative Bank, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.42% (Q4 2024) to 1.65% (Q4 2025) and its net interest margin ran from 2.89% (Q3 2024) to 3.51% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.05% | 1.38% | 2.67% | 5.69% | 3.49% |
| Q1 2026 | 14.70% | 1.38% | 2.50% | 4.23% | 3.43% |
| Q4 2025 | 14.44% | 1.65% | 2.27% | 3.32% | 3.51% |
| Q3 2025 | 13.73% | 1.14% | 2.03% | 3.93% | 3.40% |
| Q2 2025 | 13.31% | 0.77% | 2.07% | 4.07% | 3.30% |
| Q1 2025 | 13.51% | 1.15% | 1.58% | 4.74% | 3.13% |
| Q4 2024 | 13.36% | 0.42% | 1.80% | 4.92% | 3.11% |
| Q3 2024 | 12.47% | 0.92% | 1.42% | 3.47% | 2.89% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 184 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows National Cooperative Bank, N.A.’s latest filed figures and updates each quarter.
Similar banks
Compare National Cooperative Bank, N.A. with peers
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.
Where is National Cooperative Bank, N.A. headquartered?
It is headquartered in Hillsboro, OH, United States.
When was National Cooperative Bank, N.A. founded?
It was established in 1988, per the FDIC institution directory.
Is National Cooperative Bank, N.A. FDIC-insured?
Yes. It 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.
What is National Cooperative Bank, N.A.'s CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 5.69% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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.
Go deeper on National Cooperative Bank, N.A.
Get an email when National Cooperative Bank, N.A. files its next call report, and benchmark it against any peer you choose.
Unlock National Cooperative Bank, N.A., freeFree account