NATIONAL COOPERATIVE BANK
NATIONAL COOPERATIVE BANK reported total assets of $4.3 bn at Q2 2026, up 7.3% on a year earlier, the 316th largest of 497 banks in our US coverage. The CET1 capital ratio at NATIONAL COOPERATIVE BANK was 14.05%, and the uninsured share of NATIONAL COOPERATIVE BANK was 56.73%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), NATIONAL COOPERATIVE BANK climbed from 340th to 240th among 500 US banks between and (1 = highest; FDIC Call Reports).
- NATIONAL COOPERATIVE BANK has one of the highest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 2.67% at , against a median of 0.58% across 339 banks (FDIC Call Reports).
- At 56.73%, the uninsured share of domestic deposits of NATIONAL COOPERATIVE BANK sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 32.61% (FDIC Call Reports).
What sets NATIONAL COOPERATIVE BANK apart
How large is NATIONAL COOPERATIVE BANK?
The balance sheet of NATIONAL COOPERATIVE BANK at : assets $4.3 bn, deposits $3.6 bn, net loans $3.4 bn (loans equal to 95.49% of deposits). Securities make up 11.4% of total assets at NATIONAL COOPERATIVE BANK. Since , when NATIONAL COOPERATIVE BANK held $2.1 bn, its assets grew 104.5%. In the year to , deposits at NATIONAL COOPERATIVE BANK rose 2.8% while its total assets rose 7.3%. At , NATIONAL COOPERATIVE BANK employed 349 full-time equivalent staff across 1 office, about $12.4 mn of assets per employee and $3.6 bn of deposits per office.
How much funding at NATIONAL COOPERATIVE BANK is uninsured?
At NATIONAL COOPERATIVE BANK, uninsured deposits (above the FDIC limit) made up 56.73% of domestic deposits at (-1.58 pp on a year earlier); NATIONAL COOPERATIVE BANK ranks 41st of 500 on this measure. In dollars, NATIONAL COOPERATIVE BANK estimated $2.0 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.6 bn | +2.8% | 311th of 499 |
| Net loans and leases | $3.4 bn | +8.4% | 292nd of 500 |
| Loan-to-deposit ratio | 95.49% | +4.95 pp | 101st of 500 |
| Tier 1 leverage ratio | 11.28% | +0.69 pp | 150th of 500 |
| Total risk-based capital ratio | 14.99% | +0.69 pp | 166th of 448 |
| Net interest margin | 3.50% | +0.22 pp | 299th of 500 |
| Return on assets (ROA) | 1.37% | +0.41 pp | 210th of 500 |
| Efficiency ratio | 66.21% | -5.84 pp | 403rd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $5,000 | Narrowed by $9,000 | |
| Unrealized gain/loss on available-for-sale securities | Gain of $3.4 mn | Turned from a loss into a gain | |
| Noncurrent loans to total loans | 2.67% | +0.60 pp | 476th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.02% | +0.02 pp | 129th of 500 (1 = lowest) |
US rank of NATIONAL COOPERATIVE BANK: 1 = highest unless marked 1 = lowest.
Balance sheet
NATIONAL COOPERATIVE BANK: assets, deposits and loans
- Total assets $4.3bn
- Deposits $3.6bn
- Net loans $3.4bn
Capital and securities
The CET1 ratio of NATIONAL COOPERATIVE BANK stood at 14.05% in , +0.74 pp year on year. Low and high at NATIONAL COOPERATIVE BANK since : 12.47% () to 15.45% (). Equity capital of NATIONAL COOPERATIVE BANK at : $477.7 mn, or 11.0% of total assets. NATIONAL COOPERATIVE BANK also reported a total capital ratio of 14.99% for , and a tier 1 leverage ratio of 11.28%.
On held-to-maturity securities, NATIONAL COOPERATIVE BANK carried an unrealized loss of $5,000 at , equal to 0.0% of equity capital. The loss narrowed by $9,000 over the year. Its deepest point: $192,000 in . The available-for-sale portfolio of NATIONAL COOPERATIVE BANK showed an unrealized gain of $3.4 mn at ; the gain turned from a loss into a gain over the year.
NATIONAL COOPERATIVE BANK: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 11%
NATIONAL COOPERATIVE BANK: unrealized securities gains and losses
- Available for sale $3mn
- Held to maturity -$5,000
Profitability and loan quality
For the year to , NATIONAL COOPERATIVE BANK earned a return on equity of 12.40%; return on assets: 1.37%. Net interest margin at NATIONAL COOPERATIVE BANK: 3.50%, +0.22 pp in a year. NATIONAL COOPERATIVE BANK net income: $28.8 mn, up 52.8% year on year. The efficiency ratio of NATIONAL COOPERATIVE BANK was 66.21%: about 66 cents cost per revenue dollar, against 57 cents at the median peer.
At , noncurrent loans were 2.67% of total loans at NATIONAL COOPERATIVE BANK; net charge-offs: 0.02% of average loans. Gross loans and leases at NATIONAL COOPERATIVE BANK: $3.4 bn, up 8.3% in a year.
NATIONAL COOPERATIVE BANK: profitability
- Return on equity 12%
- Net interest margin 3.5%
- Return on assets 1.4%
Peer group of NATIONAL COOPERATIVE BANK
The peer group of NATIONAL COOPERATIVE BANK is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of NATIONAL COOPERATIVE BANK (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Ohio. Against them, NATIONAL COOPERATIVE BANK shows CET1 ratio 14.05% against a peer median of 14.21%, return on equity 12.40% against a peer median of 11.15% and uninsured deposit share 56.73% against a peer median of 44.40%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Sunwest Bank | State nonmember bank | UT | $4.4 bn | 10.40% | 17.39% | 53.14% | |
| Texas Bank and Trust Company | State nonmember bank | TX | $4.3 bn | 15.85% | 12.39% | 47.26% | |
| Primis Bank | State member bank | VA | $4.3 bn | 10.63% | 9.10% | 22.93% | |
| NATIONAL COOPERATIVE BANK | National bank | OH | $4.3 bn | 14.05% | 12.40% | 56.73% | |
| Civista Bank | State member bank | OH | $4.3 bn | 16.39% | 9.91% | 18.30% | |
| The First Bank and Trust Company | State member bank | VA | $4.3 bn | 12.58% | 18.63% | 41.53% | |
| Royal Business Bank | State nonmember bank | CA | $4.3 bn | 19.68% | 8.32% | 50.67% | |
. FDIC Call Reports.
Last eight quarters
Two years at NATIONAL COOPERATIVE BANK, to : assets +13.0%, deposits +14.2%, equity +20.0%. Staff 315 to 349.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.8 bn | $3.8 bn | $3.9 bn | $4.0 bn | $3.9 bn | $4.1 bn | $4.1 bn | $4.3 bn |
| Total deposits | $3.1 bn | $3.2 bn | $3.4 bn | $3.5 bn | $3.3 bn | $3.5 bn | $3.5 bn | $3.6 bn |
| Bank equity capital | $398.0 mn | $402.5 mn | $413.8 mn | $420.7 mn | $431.7 mn | $450.7 mn | $463.7 mn | $477.7 mn |
| CET1 ratio | 12.47% | 13.36% | 13.51% | 13.31% | 13.73% | 14.44% | 14.70% | 14.05% |
| Return on equity (ROE) | 7.51% | 6.62% | 10.94% | 9.13% | 9.67% | 11.13% | 12.50% | 12.40% |
| Uninsured share of domestic deposits | 58.61% | 58.16% | 59.06% | 58.31% | 57.11% | 57.15% | 57.86% | 56.73% |
| Full-time equivalent employees | 315 | 320 | 325 | 335 | 339 | 341 | 339 | 349 |
| Number of offices | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by NATIONAL COOPERATIVE BANK appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of NATIONAL COOPERATIVE BANK?
NATIONAL COOPERATIVE BANK reported $4.3 bn at in its Call Report. That makes NATIONAL COOPERATIVE BANK the 316th largest of 497 banks in our US coverage.
Is NATIONAL COOPERATIVE BANK the same as its holding company?
No. This page covers NATIONAL COOPERATIVE BANK, FDIC certificate 32612; NATIONAL CONSUMER COOP BANK (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is NATIONAL COOPERATIVE BANK profitable?
NATIONAL COOPERATIVE BANK reported net income of $28.8 mn for the year to ; annualized return on equity: 12.40%. So yes: NATIONAL COOPERATIVE BANK made a profit over these months.
When is data for NATIONAL COOPERATIVE BANK next updated?
Figures from NATIONAL COOPERATIVE BANK for are due after .
Where can I check the figures for NATIONAL COOPERATIVE BANK?
In the FDIC BankFind Suite record for certificate 32612, and in the Call Reports of NATIONAL COOPERATIVE BANK (RSSD ID 99376) at the FFIEC Central Data Repository.