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NATIONAL COOPERATIVE BANK, N.A.

$1B-$10B Specialty: Commercial OH FDIC cert 32612

Hillsboro, OH

884 banks in the $1B-$10B peer group nationally 28 in OH
View $1B-$10B leaderboard (OH) →

NATIONAL COOPERATIVE BANK, N.A. faces 4 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Delinquency Rate 1.64% above tier average
  • - Nonperforming Asset Ratio 1.29% above tier average
  • - Net Interest Margin 0.32% below tier average
  • - Efficiency Ratio 5.22% above tier average
Get updates when NATIONAL COOPERATIVE BANK, N.A. releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $4.1B
+6.0% YoY +1.1% QoQ
+$1.3B $2.8B
-0.1% YoY
$35.8B
+10.6% YoY
$6.2B
+9.1% YoY
81%
Total Loans ? $3.2B
+4.4% YoY +1.1% QoQ
+$1.2B $2.0B
+0.6% YoY
$15.7B
+12.8% YoY
$3.2B
+10.8% YoY
83%
Total Deposits ? $3.5B
+5.4% YoY +1.2% QoQ
+$1.2B $2.3B
-0.3% YoY
$25.9B
+8.5% YoY
$4.8B
+8.2% YoY
82%
Return on Assets ? 1.39%
+19.2% YoY +16.0% QoQ
+0.02% 1.37%
+19.6% YoY
1.12%
+9.9% YoY
1.23%
+13.4% YoY
63%
Net Interest Margin ? 3.50%
+9.2% YoY +2.1% QoQ
-0.32% 3.82%
+6.9% YoY
3.58%
+7.5% YoY
3.89%
+5.7% YoY
41%
Efficiency Ratio ? 66.29%
-6.3% YoY -4.9% QoQ
+5.22% 61.06%
-4.6% YoY
72.65%
-4.0% YoY
66.95%
-4.1% YoY
31%
Delinquency Rate ? 2.53%
+58.6% YoY +10.1% QoQ
+1.64% 0.89%
+14.1% YoY
0.65%
+14.5% YoY
0.95%
+18.8% YoY
Bottom 6.9% in tier
Loan-to-Deposit Ratio ? 89.93%
-1.0% YoY -0.1% QoQ
+5.72% 84.20%
+0.3% YoY
79.14%
+0.8% YoY
76.70%
+0.9% YoY
38%
Non-Interest-Bearing Deposit Share ? 14.44%
+7.1% YoY -0.3% QoQ
-6.85% 21.29%
-2.5% YoY
18.08%
-0.4% YoY
22.01%
-1.2% YoY
25%
Nonperforming Asset Ratio ? 1.96%
+54.8% YoY +9.9% QoQ
+1.29% 0.67%
+15.6% YoY
0.44%
+14.5% YoY
0.67%
+19.3% YoY
Bottom 6.4% in tier
Tier 1 Capital Ratio ? 14.70%
+8.8% YoY +1.8% QoQ
-0.46% 15.16%
+2.0% YoY
19.44%
+3.1% YoY
17.06%
+0.8% YoY
70%
Non-Interest Income / Assets ? 0.28%
-8.0% YoY -74.9% QoQ
+0.03% 0.26%
+1.6% YoY
0.57%
-2.4% YoY
0.32%
+4.1% YoY
85%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (4 metrics)

134
Non-Interest Income / Assets
revenue_mix
Value: 0.28%
Peer Median: 0.26%
#134 of 884 Top 15.0% in $1B-$10B
150
Total Loans
size
Value: $3.19B
Peer Median: $1.96B
#150 of 884 Top 16.9% in $1B-$10B
161
Total Deposits
size
Value: $3.54B
Peer Median: $2.34B
#161 of 884 Top 18.1% in $1B-$10B
168
Total Assets
size
Value: $4.15B
Peer Median: $2.82B
#168 of 884 Top 18.9% in $1B-$10B

Top Weaknesses (2 metrics)

828
Nonperforming Asset Ratio
credit_quality
Value: 1.96%
Peer Median: 0.67%
#828 of 884 Bottom 6.4% in $1B-$10B
820
Delinquency Rate
credit_quality
Value: 2.53%
Peer Median: 0.89%
#820 of 880 Bottom 6.9% in $1B-$10B
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