National Cooperative Bank, N.A.: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks National Cooperative Bank, N.A. of Hillsboro, OH against its peer group of 895 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.38% | 1.29% | +0.09% | 56th better half |
| ROAE | 12.31% | 12.61% | -0.30% | 48th worse half |
| Net Interest Margin | 3.49% | 3.71% | -0.22% | 35th worse half |
| Efficiency Ratio | 66.14% | 58.32% | +7.82% | 74th worse half |
| PPNR / Avg Assets | 1.68% | 1.75% | -0.07% | 45th worse half |
| Yield on Earning Assets | 5.57% | 5.54% | +0.03% | 52nd |
| Cost of Funds | 2.33% | 2.01% | +0.32% | 72nd worse half |
| Net Interest Spread | 2.90% | 3.09% | -0.19% | 37th worse half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 2.67% | 0.52% | +2.15% | 95th worst quarter |
| NPA / Total Assets | 2.14% | 0.41% | +1.73% | 95th worst quarter |
| NCO / Avg Loans | 0.03% | 0.03% | +0.00% | 49th better half |
| ACL / Total Loans | 0.87% | 1.15% | -0.28% | 17th |
| ACL / NPLs (Coverage) | 32.44% | 204.05% | -171.61% | 2nd worst quarter |
| Texas Ratio | 5.69% | 3.58% | +2.11% | 66th worse half |
| Provision / NCO | 718.64% | 173.21% | +545.43% | 78th |
| CRE / Total Capital | 256.17% | 223.76% | +32.41% | 64th worse half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 14.05% | 13.52% | +0.53% | 59th better half |
| Tier 1 Ratio | 14.05% | 13.55% | +0.50% | 58th better half |
| Total Capital Ratio | 14.99% | 14.66% | +0.33% | 56th better half |
| Leverage Ratio | 11.28% | 10.52% | +0.76% | 66th better half |
| Equity / Assets | 11.04% | 10.38% | +0.66% | 61st better half |
| TCE / Tangible Assets | 11.04% | 9.80% | +1.24% | 71st better half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 96.32% | 88.15% | +8.17% | 75th |
| Core Deposit Ratio | 94.61% | 88.46% | +6.15% | 83rd best quarter |
| Uninsured Deposit Ratio | 56.73% | 30.92% | +25.81% | 95th worst quarter |
| Borrowings / Total Assets | 5.46% | 3.92% | +1.54% | 62nd worse half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.25% | 5.45% | +1.80% | 62nd |
| Loan Growth (Y/Y) | 8.33% | 5.90% | +2.43% | 65th |
| Deposit Growth (Y/Y) | 2.77% | 5.07% | -2.30% | 34th |
See National Cooperative Bank, N.A.'s peers by name
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Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full National Cooperative Bank, N.A. profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the National Cooperative Bank, N.A. peer analysis.