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NATIONAL COOPERATIVE BANK, N.A.
Hillsboro, OH·FDIC Cert #32612·Charter: OCC·Est. 19880916.0·HC: NATIONAL CONSUMER COOP BANK
Total Assets
$4.1B
Q4 2025
Return on Assets
1.21%
+0.18%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
69.56%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
52
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.21%+0.18
ROE
11.24%+1.57
Efficiency
69.56%-1.77
Equity/Assets
0.00%+0.00
NPL Ratio
2.29%+0.24
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
90.02%-3.69
Charge-offs
0.01%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.7 | 0.8 | 0.7 | 1.2 | 1.0 | 1.0 | 1.2 |
| ROE | 6.6 | 6.9 | 7.5 | 6.6 | 10.9 | 9.1 | 9.7 | 11.2 |
| Efficiency | 73.3 | 75.0 | 75.3 | 77.0 | 70.7 | 72.0 | 71.3 | 69.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.9 | 1.7 | 1.4 | 1.8 | 1.6 | 2.1 | 2.1 | 2.3 |
| Charge-offs | 0.0 | 0.0 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 88.7 | 92.7 | 97.4 | 92.8 | 90.9 | 90.5 | 93.7 | 90.0 |
Balance Sheet
Total Assets$4.1B
Total Deposits$3.5B
Total Loans$3.2B
Total Equity$451.5M
Profitability
ROA1.21%
ROE11.24%
Efficiency Ratio69.56%
Net Income$47.7M
Risk & Asset Quality
NPL Ratio2.29%
Charge-off Rate0.01%
Loan/Deposit90.02%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans