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National Cooperative Bank, N.A.
Hillsboro, OH · FDIC Certificate #32612 · Chartered 09/1
Total assets
$4.33B
Total deposits
$3.57B
Total equity
$477.74M
Net loans
$3.41B
Branches (offices)
1
Net income (YTD)
$28.77M
Rank: #319 of 4,213 U.S. banks by assets · #12 of 155 in Ohio. Assets changed 7.3% and deposits 2.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 12.40% |
| Net interest margin (YTD) | 3.50% |
| Equity to assets | 11.04% |
| Tier 1 leverage ratio | 11.28% |
| Uninsured deposits (share of deposits) | 56.7% |
| Noncurrent loans (share of loans) | 2.67% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 95.5% |
| Real estate loans (share of loans) | 68.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.32B | 68.1% | |
| Commercial & industrial | $960.99M | 28.2% | |
| Consumer / individual | $73.74M | 2.2% | |
| Construction & development | $40.27M | 1.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.13B | $2.66B | $9.47M | $377.70M |
| Jun 2023 | $3.34B | $2.64B | $7.19M | $375.67M |
| Jun 2024 | $3.69B | $3.00B | $13.40M | $397.19M |
| Jun 2025 | $4.04B | $3.47B | $18.83M | $420.75M |
| Jun 2026 | $4.33B | $3.57B | $28.77M | $477.74M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $3.57B | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.57B.
Similar-sized banks
Primis Bank ($4.34B) · State Bank Of India ($4.32B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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