Headquartered in Hillsboro, Ohio, National Cooperative Bank, N.A. is a national bank with $4.3B in total assets and $3.6B in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1988.
Based on its Q2 2026 filing, National Cooperative Bank, N.A. scores 46/100, which we describe as below average. That is higher than only 5% of 897 banks with $1 billion – $10 billion. Among 157 banks headquartered in Ohio, it ranks 154th. Its strongest component is earnings (75/100; 1.37%), and its lowest is loan quality (11/100; 2.67%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (47 → 46).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 49 |
| Q3 2024 | 50 |
| Q4 2024 | 46 |
| Q1 2025 | 53 |
| Q2 2025 | 47 |
| Q3 2025 | 48 |
| Q4 2025 | 48 |
| Q1 2026 | 48 |
| Q2 2026 | 46 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.66% |
| Q3 2024 | 10.60% |
| Q4 2024 | 10.48% |
| Q1 2025 | 10.68% |
| Q2 2025 | 10.59% |
| Q3 2025 | 10.75% |
| Q4 2025 | 10.92% |
| Q1 2026 | 11.16% |
| Q2 2026 | 11.28% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.68% |
| Q3 2024 | 1.42% |
| Q4 2024 | 1.80% |
| Q1 2025 | 1.58% |
| Q2 2025 | 2.07% |
| Q3 2025 | 2.03% |
| Q4 2025 | 2.27% |
| Q1 2026 | 2.50% |
| Q2 2026 | 2.67% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 0.80% |
| Q4 2024 | 0.71% |
| Q1 2025 | 1.16% |
| Q2 2025 | 0.96% |
| Q3 2025 | 1.03% |
| Q4 2025 | 1.19% |
| Q1 2026 | 1.39% |
| Q2 2026 | 1.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 46 | $4.3B | 11.28% | 2.67% | 1.37% | 95.5% |
| Q1 2026 | 48 | $4.1B | 11.16% | 2.50% | 1.39% | 89.9% |
| Q4 2025 | 48 | $4.1B | 10.92% | 2.27% | 1.19% | 90.0% |
| Q3 2025 | 48 | $3.9B | 10.75% | 2.03% | 1.03% | 93.7% |
| Q2 2025 | 47 | $4.0B | 10.59% | 2.07% | 0.96% | 90.5% |
| Q1 2025 | 53 | $3.9B | 10.68% | 1.58% | 1.16% | 90.9% |
| Q4 2024 | 46 | $3.8B | 10.48% | 1.80% | 0.71% | 92.8% |
| Q3 2024 | 50 | $3.8B | 10.60% | 1.42% | 0.80% | 97.4% |
| Q2 2024 | 49 | $3.7B | 10.66% | 1.68% | 0.74% | 92.7% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Civista BankBank Sandusky, OH | 75 out of 100, Strong | $4.3B | 12.7% | 0.92% | vs |
| Union Savings BankBank Cincinnati, OH | 74 out of 100, Strong | $4.0B | 10.5% | 0.70% | vs |
| Erebor Bank, N.A.Bank Columbus, OH | 78 out of 100, Strong | $4.7B | 38.8% | 0.00% | vs |
| The Farmers & Merchants State BankBank Archbold, OH | 70 out of 100, Strong | $3.5B | 9.4% | 0.27% | vs |
| First Federal Savings and Loan Association of LakewoodBank Lakewood, OH | 56 out of 100, Moderate | $2.9B | 8.4% | 0.44% | vs |
| LCNB National BankBank Lebanon, OH | 68 out of 100, Moderate | $2.2B | 9.3% | 0.34% | vs |
Deposit insurance
Is my money safe at National Cooperative Bank, N.A.?
Yes. National Cooperative Bank, N.A. is an FDIC-insured institution (FDIC certificate #32612). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 56.7% of deposits ($2.0B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.28%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.99% (benchmark: 10%).
1 location
Branches
National Cooperative Bank, N.A. lists 1 office in 1 city. Most locations:
- Hillsboro, OH (1)
HMDA 2025
Mortgage lending
In 2025, National Cooperative Bank, N.A. reported 829 home-loan applications under HMDA (LEI 5493001GAASLCSP1PB64): 615 originated ($816,545,000 total), 98 denied, and 107 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- National Cooperative Bank, N.A.
- Former names
- Ncb, FSB; NCB Savings Association; NCB Savings Bank, FSB
- Type
- National bank
- FDIC certificate #
- 32612
- RSSD ID
- 99376
- Primary regulator
- OCC
- Holding company
- National Consumer Coop Bank
- Established
- September 16, 1988
- Headquarters
- 139 S High St, Hillsboro, OH 45133
- Website
- www.ncb.coop
- Employees
- 349
Quick answers
National Cooperative Bank, N.A.: common questions
Is National Cooperative Bank, N.A. FDIC insured?
Yes. National Cooperative Bank, N.A. is an FDIC-insured institution (FDIC certificate #32612). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is National Cooperative Bank, N.A.'s TellerScore?
46 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has National Cooperative Bank, N.A. ever failed?
There is no failure record for FDIC certificate #32612 in the FDIC failed bank list.
How many branches does National Cooperative Bank, N.A. have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hillsboro
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| Homeland Credit UnionCredit union Chillicothe, OH | 82 out of 100, Strong | $624.2M | 15.8% | 1.10% | vs |
| Community Savings BankBank Bethel, OH | 80 out of 100, Strong | $119.6M | 14.8% | 0.10% | vs |
| The First National Bank of BlanchesterBank Blanchester, OH | 77 out of 100, Strong | $77.7M | 10.6% | 0.15% | vs |
| The Wilmington Savings BankBank Wilmington, OH | 72 out of 100, Strong | $267.3M | 14.6% | 0.82% | vs |
| Southern Hills Community BankBank Leesburg, OH | 71 out of 100, Strong | $209.6M | 13.8% | 1.58% | vs |