Side-by-side · Q2 2026 data
Civista Bank vs National Cooperative Bank, N.A.
Metric by metric
| Measure | Civista Bank | National Cooperative Bank, N.A. |
|---|---|---|
| TellerScore | 75 (stronger) | 46 |
| Capital cushion | 77 (stronger) | 63 |
| Loan quality | 69 (stronger) | 11 |
| Earnings | 78 (stronger) | 75 |
| Funding & liquidity | 64 (stronger) | 18 |
| Problem-loan coverage | 91 (stronger) | 63 |
| Peer percentile | 77th | 5th |
| Total assets | $4.3B | $4.3B |
| Deposits / shares | $3.5B | $3.6B |
| Capital ratio | 12.71% (stronger) | 11.28% |
| Problem loans | 0.92% (stronger) | 2.67% |
| Net charge-offs | 0.05% | 0.02% (stronger) |
| Return on assets | 1.45% (stronger) | 1.37% |
| Loans ÷ deposits | 92.4% (stronger) | 95.5% |
| Uninsured deposits | 18.3% (stronger) | 56.7% |
| Offices | 42 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 13.6% |
Civista Bank has the higher TellerScore (75 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Civista Bank leads on 6 and National Cooperative Bank, N.A. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.