# NATIONAL COOP BANK N A
HILLSBORO, OH · FDIC certificate 32612 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $4.33B | |
| Deposits | $3.57B | |
| Loans and leases | $3.44B | |
| Total equity | $477.7M | |
| Loans / deposits | 95.49% (p76 of band) | 87.10% |
| Liquid assets / assets | 18.45% (p39 of band) | |
| Uninsured deposits / deposits | 56.73% (p94 of band) | 30.76% |
| Brokered deposits | 0.51% | |
| Wholesale funding | 5.97% (p50 of band) | |
| FHLB advances / assets | 5.46% | |
| Tier 1 leverage | 11.28% (p66 of band) | 10.50% |
| Unrealized securities loss / equity | 0.72% (p100 of band) | -7.75% |
| AOCI / equity | 0.14% (p85 of band) | |
| ROA (annualized) | 1.37% (p61 of band) | 1.26% |
| Net interest margin | 3.50% (p37 of band) | 3.70% |
| Efficiency ratio | 66.21% (p71 of band) | |
| Noncurrent loans | 2.67% (p95 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p44 of band) | |
| Reserve coverage of noncurrent | 32.44% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 8.43% (p9 of band) | |
| Auto loans | $73.7M (2.14% of loans; DQ 0.77%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 349 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 3 |  | loans exceed deposits |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 1 |  | brokered >10%, wholesale funding >15%, capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | deposits shrinking |  |
| 2013-03 | 3 | assets shrinking |  |
| 2013-06 | 1 |  | deposits shrinking, assets shrinking |
| 2013-09 | 2 | noncurrent p90 |  |
| 2013-12 | 1 |  | noncurrent p90 |
| 2014-03 | 2 | expense ratio p90 |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | expense ratio p90 |
| 2014-12 | 2 | expense ratio p90 |  |
| 2015-03 | 5 | uninsured deposits >50%, capital falling, run vulnerability |  |
| 2015-06 | 3 |  | reserve under noncurrent, expense ratio p90 |
| 2015-09 | 4 | expense ratio p90 |  |
| 2015-12 | 4 | loans exceed deposits | capital falling |
| 2016-03 | 4 | reserve under noncurrent | loans exceed deposits |
| 2016-06 | 3 |  | expense ratio p90 |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 | noncurrent p90 | run vulnerability |
| 2017-03 | 4 | capital falling, expense ratio p90 | noncurrent p90 |
| 2017-06 | 4 | noncurrent p90 | capital falling |
| 2017-09 | 5 | charge-offs p90 |  |
| 2017-12 | 4 |  | charge-offs p90 |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 | capital falling | noncurrent p90 |
| 2018-09 | 3 |  | capital falling |
| 2018-12 | 2 |  | reserve under noncurrent |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | capital falling |  |
| 2019-09 | 1 |  | expense ratio p90, capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | losing money, expense ratio p90 |  |
| 2020-06 | 2 | capital falling | losing money, expense ratio p90 |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | run vulnerability |  |
| 2021-12 | 3 | noncurrent p90, reserve under noncurrent | run vulnerability |
| 2022-03 | 5 | capital falling, expense ratio p90 |  |
| 2022-06 | 4 |  | capital falling |
| 2022-09 | 4 | run vulnerability | noncurrent p90 |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | reserve under noncurrent |
| 2023-06 | 5 | loans exceed deposits, capital falling |  |
| 2023-09 | 6 | reserve under noncurrent |  |
| 2023-12 | 6 | noncurrent p90 | loans exceed deposits |
| 2024-03 | 4 |  | expense ratio p90, run vulnerability |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 | run vulnerability | noncurrent p90 |
| 2024-12 | 5 | noncurrent p90 |  |
| 2025-03 | 3 |  | capital falling, noncurrent p90 |
| 2025-06 | 4 | noncurrent p90 |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 3 |  | run vulnerability |
| 2026-03 | 3 |  |  |
| 2026-06 | 4 | run vulnerability |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32612 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "32612", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide