NATIONAL COOPERATIVE BANK, N.A.
Hillsboro, Ohio, Highland County
$4.3B in total assets, the 328th largest of 4,309 US banks and 12th of 160 headquartered in Ohio.
- FDIC certificate
- 32612
- Established
- 1988
- Owned by
- National Consumer Coop Bank
- Primary regulator
- OCC
- Website
- www.ncb.coop
At a glance
Compared with 27 banks headquartered in Ohio with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $4.3B | 89% | $1.6B | |
| Loans | $3.4B | 89% | $1.1B | |
| Deposits | $3.6B | 89% | $1.4B | |
| Return on assets | 1.39% | 77% | 1.19% | |
| Net interest margin | 3.50% | 37% | 3.65% | |
| Efficiency ratio | 66.2% | 85% | 58.4% | |
| Equity to assets | 11.04% | 63% | 10.17% | |
| Loans to deposits | 96% | 85% | 86% |
Growth
Total assets grew 7.3% a year over the last 5 years and 7.3% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 1988 | Anchor Savings Association Hillsboro, OH | $18M |
Where they operate
1 branch in 1 county.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Highland County, OH | $3.6B | 79.2% | 1 of 9 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 3 branches since 2016 (4 to 1, −75.0%). 0 opened, 0 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 4 | |||
| 2017 | Closed Hillsboro | 0 | 1 | −1 | 3 |
| 2018 | Closed Fayetteville and Wilmington | 0 | 2 | −2 | 1 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Multifamily | 31% | 6% | |
| Business (C&I) | 28% | 12% | |
| 1-4 family residential | 28% | 34% | |
| Commercial real estate | 8% | 30% | |
| Consumer | 2% | 4% | |
| Construction and land | 1% | 6% | |
| Farmland | 0% | 4% | |
| Agricultural | 0% | 1% | |
| Other | 2% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 77% | 55% | |
| Noninterest-bearing | 14% | 20% | |
| Time deposits | 9% | 25% |
Brokered deposits are 0.6% of deposits (peers 5.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.81% | 0.60% |
| Net charge-offs, annualized | 0.02% | 0.02% |
| Reserves to loans | 0.87% | 1.11% |
| Leverage ratio | 11.28% | 10.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Ohio
Largest competitors in Highland County, OH
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/national-cooperative-bank-hillsboro-oh