NATIONAL COOPERATIVE BANK, N.A.

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NATIONAL COOPERATIVE BANK, N.A. Locations

Deposit Rates - May 21, 2022

CD RATES APY MIN
MM RATES APY MIN
Money Market
0.50% $5,000 Compare

Overview 2022

General Bank Information

FDIC Insured Yes
FDIC Certificate # 32612
Date Established 1988
Assets $ 3.17 billion
Loans $ 2.23 billion
Deposits $ 2.69 billion
Capital $ 371.52 million

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $ 564.29 million
Interest-bearing balances $ 504.52 million
Total securities $ 299.46 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.23 billion
Loan loss allowance $ 22.61 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.17 million
Goodwill and other intangibles $ 31.00 million
All other assets $ 35.46 million
     Total Assets $ 2.79 billion

LIABILITIES
Total deposits $ 2.69 billion
      Interest-bearing deposits $ 2.17 billion
      Deposits held in domestic offices $ 2.69 billion
      % insured (estimated) 38.31%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 75.00 million
Subordinated debt N.A.
All other liabilities $ 30.72 millionn
      Total Liabilities $ 2.79 billion
      Shareholders’ Equity $ 371.52 million

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $ 112.15 million
Total Interest Expense $ 11.70 million
Net interest income $ 100.45 million
Provision for loan and lease losses N.A.
Total non interest income $ 67.65 million
Total non interest expense $ 107.86 million
Pre-tax Net Operating Income $ 61.45 million

NATIONAL COOPERATIVE BANK, N.A. is an FDIC insured institution headquartered at 139 South High Street, Hillsboro, OH 45133.
It was founded in 1988 and has approximately $3 billion in assets. Customers can open an account at one of its 4 branches.

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Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only.

  • 1
    ONLINE CD
    Bank
    -
    $50,000
    12 Month
    0.60%
    1.49x (National Avg. - 0.40%)
    $2,500
    -
    SCENARIO
    Year Rate
    0.60%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 300 210
    2 50,300 302 211
    3 50,602 304 213
    4 50,905 305 214
    5 51,211 307 215
    6 51,518 309 216
    7 51,827 311 218
    8 52,138 313 219
    9 52,451 315 220
    10 52,766 317 222
    11 53,082 318 223
    12 53,401 320 224
    13 53,721 322 226
    14 54,044 324 227
    15 54,368 326 228
    16 54,694 328 230
    17 55,022 330 231
    18 55,352 332 232
    19 55,684 334 234
    20 56,019 336 235
    TOTAL $6,355 $4,448
  • 2
    ONLINE CD
    Online Bank
    -
    $50,000
    12 Month
    1.30%
    3.23x (National Avg. - 0.40%)
    $5,000
    -
    SCENARIO
    Year Rate
    1.30%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 650 455
    2 50,650 658 461
    3 51,308 667 467
    4 51,975 676 473
    5 52,651 684 479
    6 53,336 693 485
    7 54,029 702 492
    8 54,731 712 498
    9 55,443 721 505
    10 56,164 730 511
    11 56,894 740 518
    12 57,633 749 524
    13 58,383 759 531
    14 59,142 769 538
    15 59,910 779 545
    16 60,689 789 552
    17 61,478 799 559
    18 62,277 810 567
    19 63,087 820 574
    20 63,907 831 582
    TOTAL $14,738 $10,317