BlastPoint's Banking Scorecard
NATIONAL COOPERATIVE BANK, N.A.
Hillsboro, OH
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
- Deposits +2.8% year over year ($3.6B on the books).
- Delinquency rate 2.70%.
- Return on assets 1.37%.
- Efficiency ratio 66.21% vs a 59.73% peer average.
- Loan-to-deposit ratio 95.49% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
NATIONAL COOPERATIVE BANK, N.A. faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.83% above tier average
- - Nonperforming Asset Ratio 1.47% above tier average
- - Net Interest Margin 0.37% below tier average
- - Efficiency Ratio 6.48% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.3B
+7.3% YoY
+4.4% QoQ
|
+$1.5B |
$2.8B
-0.6% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
82% |
| Total Loans ? |
$3.4B
+8.4% YoY
+6.9% QoQ
|
+$1.4B |
$2.0B
-0.3% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
85% |
| Total Deposits ? |
$3.6B
+2.8% YoY
+0.7% QoQ
|
+$1.2B |
$2.3B
-0.5% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
83% |
| Return on Assets ? |
1.37%
+42.4% YoY
-0.9% QoQ
|
-0.02% |
1.39%
+17.0% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
61% |
| Net Interest Margin ? |
3.50%
+6.6% YoY
-0.1% QoQ
|
-0.37% |
3.87%
+6.2% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
36% |
| Efficiency Ratio ? |
66.21%
-8.1% YoY
-0.1% QoQ
|
+6.48% |
59.73%
-12.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
29% |
| Delinquency Rate ? |
2.70%
+29.1% YoY
+6.7% QoQ
|
+1.83% |
0.87%
+11.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
Bottom 5.6% in tier |
| Loan-to-Deposit Ratio ? |
95.49%
+5.5% YoY
+6.2% QoQ
|
+10.45% |
85.04%
-0.1% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
14.25%
+6.7% YoY
-1.3% QoQ
|
-7.03% |
21.27%
-1.5% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
25% |
| Nonperforming Asset Ratio ? |
2.14%
+30.3% YoY
+9.4% QoQ
|
+1.47% |
0.67%
+11.7% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 5.8% in tier |
| Tier 1 Capital Ratio ? |
14.05%
+5.6% YoY
-4.4% QoQ
|
-0.79% |
14.84%
-0.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.64%
+18.4% YoY
+126.0% QoQ
|
+0.12% |
0.53%
+2.5% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
Top 12.1% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
14.2%
+0.9pp YoY -0.2pp QoQ |
-7.1pp | 21.4% | 18.8% | 22.2% | 24% |
| Brokered Deposits |
0.6%
-0.3pp YoY 0.0pp QoQ |
-8.8pp | 9.5% | 7.7% | 8.5% | 13% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
28.2%
0.0pp YoY -1.0pp QoQ |
+14.2pp | 14.0% | 10.2% | 12.5% | 90% |
| CRE |
40.0%
+0.3pp YoY +2.6pp QoQ |
-10.0pp | 50.0% | 34.2% | 41.4% | 25% |
| 1-4 Family |
28.0%
-0.8pp YoY -1.5pp QoQ |
+1.6pp | 26.4% | 50.0% | 31.3% | 61% |
| Consumer |
2.2%
0.0pp YoY -0.2pp QoQ |
-2.5pp | 4.7% | 4.7% | 5.0% | 66% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.1%
+0.7pp YoY -0.6pp QoQ |
-1.5pp | 15.6% | 22.1% | 19.7% | 59% |
| Leverage Ratio |
11.3%
+0.7pp YoY +0.1pp QoQ |
0.0pp | 11.3% | 12.9% | 12.6% | 66% |
| Total Capital Ratio |
15.0%
+0.7pp YoY -0.7pp QoQ |
-1.7pp | 16.7% | 23.2% | 20.8% | 56% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
349
+14 (+4.2%) YoY +10 (+2.9%) QoQ |
+35 | 313 | 2,433 | 482 | 73% |
| Assets per Employee ($) |
$12.4M
+2.9% YoY +1.4% QoQ |
+$1.9M | $10.5M | $7.6M | $8.8M | 80% |
| Branch Count |
1
0 YoY 0 QoQ |
-19 | 20 | 81 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.9%
+0.4pp YoY 0.0pp QoQ |
+1.7pp | 0.2% | 0.2% | 0.4% | 98% |
| Nonaccrual |
0.8%
+0.2pp YoY +0.2pp QoQ |
0.0pp | 0.8% | 0.6% | 1.0% | 67% |
| Allowance Coverage |
0.32x
-26.6% YoY -7.8% QoQ |
-18.39x | 18.71x | 18.95x | 20.23x | 2% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 39% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.4%
+3.3pp YoY -0.1pp QoQ |
-0.2pp | 12.6% | 9.7% | 11.6% | 52% |
| Cost of Funds (YTD) |
2.1%
-0.4pp YoY 0.0pp QoQ |
+0.2pp | 1.9% | 1.7% | 1.7% | 63% |
| Net Income ($, YTD) |
$28.8M
+52.8% YoY — QoQ |
+$9.5M | $19.2M | $259.3M | $40.4M | 81% |
Get Full Access to NATIONAL COOPERATIVE BANK, N.A.
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.