National Coop Bank N A
Hillsboro, Ohio · FDIC Cert #32612
National Coop Bank N A is an FDIC-insured bank (Certificate #32612) with $3.7B in total assets and $3.0B in total deposits as of the Q2 2024 Call Report. Headquartered in Hillsboro, Ohio, the bank maintains a Tier 1 capital ratio of 13.49% (Well-Capitalized) and a nonperforming loan ratio of 1.68%. BankHealthData assigns a composite Health Grade of B (73/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
National Coop Bank N A (FDIC cert 32612) is a mid-sized bank with $3.7B in total assets and $3.0B in deposits, based in Hillsboro, Ohio. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 13.49% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.68% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 21.8% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 0.82% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. National Coop Bank N A carries a composite BankHealth grade of B (73/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: National Coop Bank N A
- Total Assets
- $3.7B
- Total Deposits
- $3.0B
- Tier 1 Capital Ratio
- 13.49%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.68%
- Liquidity Ratio
- 21.82%
- Return on Assets
- 0.82%
- Headquarters
- Hillsboro, Ohio
- FDIC Certificate
- #32612
- Health Grade
- B (73/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, National Coop Bank N A holds a Tier 1 capital ratio of 13.49%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning National Coop Bank N A has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
National Coop Bank N A shows strong financial health indicators. With $3.7B in assets and a Health Score of 73/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How National Coop Bank N A Compares
National Coop Bank N A’s Health Score of 73 is 6 points above the Ohio state average of 67 across 144 FDIC-insured banks. Its 13.49% Tier 1 capital ratio is 0.5 points below the US banking industry average near 14%. The 1.68% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.82% is below the national ROA benchmark of ~1.1%. Among 384 similarly-sized banks, the average Health Score is 73, meaning this bank ranks above its size cohort. Site-wide, National Coop Bank N A is 3 points above the portfolio average of 70.
Frequently Asked Questions
National Coop Bank N A has a Bank Health Score of B (73/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.49%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. National Coop Bank N A's Tier 1 capital ratio of 13.49% and nonperforming loan ratio of 1.68% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at National Coop Bank N A is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #32612). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
National Coop Bank N A holds $3.7B in total assets and $3.0B in total deposits. It is headquartered in Hillsboro, Ohio (FDIC Certificate #32612).
National Coop Bank N A has a Tier 1 capital ratio of 13.49%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.68%, and the return on assets is 0.82%.
Yes. National Coop Bank N A is FDIC-insured (Certificate #32612). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
National Coop Bank N A's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.