Total Assets
$4.1B
Total balance-sheet footings
FDIC Cert #32612 · Hillsboro, Ohio · Est. 1988
NATIONAL COOPERATIVE BANK, N.A. - FDIC Bank Health Profile
A community-scale look at NATIONAL COOPERATIVE BANK, N.A.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $4.1B
- Total assets
- B
- Health grade · Good
- 1.19%
- Return on assets
- 14.4%
- Tier 1 capital
Data updated July 2026
The verdict
NATIONAL COOPERATIVE BANK, N.A. earns a PlainBankData health grade of B (73/100), with well-capitalized at 14.44% Tier 1, profitable at 1.19% ROA, 70% efficiency ratio.
- #332
- largest of 4,313 FDIC banks by assets
- 92nd
- percentile by asset size, nationally
- 14.44%
- Tier 1 ratio - above the 10% well-capitalized line
- 57th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How NATIONAL COOPERATIVE BANK, N.A.'s 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
NATIONAL COOPERATIVE BANK, N.A.'s composite health score
Tier 1 Capital Ratio (14.44%) 35/40
Return on Assets (ROA) (1.19%) 20/25
Texas Ratio (15.10%) 10/20
Efficiency Ratio (69.71%) 8/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$3.5B
Customer-funded liabilities
Net Loans
$3.2B
Outstanding loan book
Net Income
$47M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where NATIONAL COOPERATIVE BANK, N.A. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. NATIONAL COOPERATIVE BANK, N.A.'s score of 73/100 falls in the highlighted band.
NATIONAL COOPERATIVE BANK, N.A.'s size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). NATIONAL COOPERATIVE BANK, N.A.'s $4.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.44% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.44%
Texas Ratio
15.10%
Equity Capital
$451M
Profitability metrics
Return on Assets (ROA)
57th percentile nationally
1.19%
Return on Equity (ROE)
11.13%
Efficiency Ratio
69.71%
What the numbers say about NATIONAL COOPERATIVE BANK, N.A.
NATIONAL COOPERATIVE BANK, N.A. is an FDIC-insured institution (Certificate #32612) headquartered in Hillsboro, Ohio, established in 1988. It holds $4.1B in total assets - 332nd of 4,313 FDIC-insured banks, $3.5B in customer deposits, and $3.2B in net loans. Its capital position: a Tier 1 ratio of 14.44%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 15.10% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (73 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, NATIONAL COOPERATIVE BANK, N.A. sits in the top decile of all FDIC-insured institutions by asset size (332nd of 4,313), and within Ohio it ranks 12th of 158 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Union Savings Bank, at $4.0B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$223M
Interest Income
$47M
Non-Interest Income
$124M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. NATIONAL COOPERATIVE BANK, N.A. reports a Texas Ratio of 15.10% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
15.10% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Ohio by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) NATIONAL COOPERATIVE BANK, N.A. (FDIC Cert #32612) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National AssociationColumbus | $3.75T | A | 1.34% |
| U.S. Bank National AssociationCincinnati | $676.1B | A | 1.18% |
| The Huntington National BankColumbus | $224.0B | A | 1.20% |
| Fifth Third Bank, National AssociationCincinnati | $213.7B | A | 1.34% |
| KeyBank National AssociationCleveland | $181.7B | A | 1.17% |
| First Financial BankCincinnati | $21.0B | A | 1.53% |
| Third Federal Savings and Loan Association of ClevelandCleveland | $17.5B | A | 0.51% |
| The Park National BankNewark | $9.7B | A | 1.90% |
Frequently asked questions
What is NATIONAL COOPERATIVE BANK, N.A.'s health grade?▼
NATIONAL COOPERATIVE BANK, N.A. receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is NATIONAL COOPERATIVE BANK, N.A.?▼
NATIONAL COOPERATIVE BANK, N.A. holds $4.1B in total assets and $3.5B in deposits, ranking 332nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Hillsboro, Ohio.
Is my money safe at NATIONAL COOPERATIVE BANK, N.A.?▼
Yes, deposits at NATIONAL COOPERATIVE BANK, N.A. (Certificate #32612) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is NATIONAL COOPERATIVE BANK, N.A.'s Tier 1 Capital Ratio?▼
NATIONAL COOPERATIVE BANK, N.A. has a Tier 1 Capital Ratio of 14.44%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for NATIONAL COOPERATIVE BANK, N.A.?▼
NATIONAL COOPERATIVE BANK, N.A. has a Texas Ratio of 15.10%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is NATIONAL COOPERATIVE BANK, N.A.?▼
NATIONAL COOPERATIVE BANK, N.A. has an Efficiency Ratio of 69.71%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read NATIONAL COOPERATIVE BANK, N.A.'s profile as a depositor or analyst.
- NATIONAL COOPERATIVE BANK, N.A.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare NATIONAL COOPERATIVE BANK, N.A. against other Ohio banks before moving funds. Ohio banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.