Compared with Ohio
8 of 22
compared fees are above the median.
7 below, 7 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
57th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Ohio median
of 22 compared; 7 below, 7 about the same
See the feesFee schedule read Oct 6, 2026
Call-report figures are for NATIONAL COOPERATIVE BANK, N.A. at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Ohio median | Published fees above the Ohio median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | NATIONAL COOPERATIVE BANK, N.A.'s published fee schedule; Bank Fee Index medians | Current schedule | Oct 6, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.5% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (57th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $1.3M in Q2 2026, 14% above the same quarter a year earlier ($1.1M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 22 compared published fees sit above the Ohio median; 7 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Ohio medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Compared at $5, the middle of its prices
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 9.7% from Q3 2025 to Q2 2026, to $1.3M. Its share of revenue, 2.5%, is above the 2.2% median for banks with $1B to $10B in assets.
$1.3M
NATIONAL COOPERATIVE BANK, N.A.Median
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $2 to $25; we compare the midpoint.
NATIONAL COOPERATIVE BANK, N.A. · $4.3B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| NATIONAL COOPERATIVE BANK, N.A.(this institution) | Hillsboro, OH | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Arrow Bank National Association | Glens Falls, NY | $4.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital City Bank | Tallahassee, FL | $4.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central Bank & Trust Co. | Lexington, KY | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Civista Bank | Sandusky, OH | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| First Bank | Hamilton, NJ | $4.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Bank | Lake City, FL | $4.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First State Community Bank | Farmington, MO | $4.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gate City Bank | Fargo, ND | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hingham Institution for Savings | Hingham, MA | $4.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| HomeTrust Bank | Asheville, NC | $4.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| International Bank of Commerce | Brownsville, TX | $4.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| PeoplesBank | Holyoke, MA | $4.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pinnacle Bank | Elberton, GA | $4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Primis Bank | Tappahannock, VA | $4.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| River Bank & Trust | Prattville, AL | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Spencer Savings Bank, SLA | Elmwood Park, NJ | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| State Bank of India | Chicago, IL | $4.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sunwest Bank | Sandy, UT | $4.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Bank and Trust Company | Longview, TX | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Texas Exchange Bank | Crowley, TX | $4.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Fidelity Bank | Fuquay Varina, NC | $4.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Union Savings Bank | Cincinnati, OH | $4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| VeraBank, National Association | Henderson, TX | $4.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| West Bank | West Des Moines, IA | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Woori America Bank | New York, NY | $4.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5, the middle of its five prices, against a peer median of $8 among 17 publishing peers.
Its five checking prices are $2, $2.50, $5, $15 and $25.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for NATIONAL COOPERATIVE BANK, N.A. (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.3M | +$26K | +2.1% |
| Q1 2026 | $1.3M | +$47K | +3.9% |
| Q4 2025 | $1.2M | +$41K | +3.5% |
| Q3 2025 | $1.2M | +$41K | +3.6% |
| Q2 2025 | $1.1M | +$19K | +1.7% |
| Q1 2025 | $1.1M | +$72K | +6.9% |
| Q4 2024 | $1.0M | +$41K | +4.1% |
| Q3 2024 | $1.0M | +$44K | +4.6% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, NATIONAL COOPERATIVE BANK, N.A. left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to NATIONAL COOPERATIVE BANK, N.A. by share.
Amounts from NATIONAL COOPERATIVE BANK, N.A.’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month · avoid imposition of fees - A maintenance service charge fee of $5 will be charged monthly if the balance in the account falls below $2,500 any day of the month
per month · avoid imposition of fees - A maintenance service charge fee of $2 will be charged monthly if the balance in the account falls below $100 any day of the month
per month · avoid imposition of fees - A maintenance service charge fee of $25 will be charged monthly if the average monthly balance falls below $5,000
per month
per month
per hour
per hour
per item
per item
per item
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Maintenance service charge fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maintenance service charge fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | avoid imposition of fees - A maintenance service charge fee of $5 will be charged monthly if the balance in the account falls below $2,500 any day of the month |
| Maintenance service charge fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | avoid imposition of fees - A maintenance service charge fee of $2 will be charged monthly if the balance in the account falls below $100 any day of the month |
| Maintenance service charge fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | avoid imposition of fees - A maintenance service charge fee of $25 will be charged monthly if the average monthly balance falls below $5,000 |
| Monthly Maintenance | $2.50Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closing Fee(within 3 months) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account: Dormant account fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Escheatment | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Balancing Assistance | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Mail Processing | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Non-Sufficient Funds Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection Transfer from Account | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM Surcharge | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement ATM/Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfers (outgoing) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic Wire Transfers (incoming) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire Transfer(outgoing) | $35Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| International Wire Transfer (incoming) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Wire Transfer: Incoming domestic and foreign | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Check Fee | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop payment fee | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment(check/check series) | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter check printing | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Non-Customer Check Cashing Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Returned Deposit Item | $15Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Box drilling | $125Not compared: Box drilling or key fee | Not stated | None |
| Lost key | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment Fee | $100Above the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 6, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where NATIONAL COOPERATIVE BANK, N.A. operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $3.6B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 1 | $3.6B |
Largest competitors nearby
Local market: Highland county, OH, where it holds the most deposits.
| 8 in its local market | Deposit share |
|---|---|
| The Merchants National Bank | 9.9% |
| Fifth Third Bank, National Association | 4.3% |
| Southern Hills Community Bank | 2.4% |
| First State Bank | 1.5% |
| Peoples Bank | 0.8% |
This bank holds 79.2% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.