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Overview / Commentary
614-408-0235
5811 Sawmill Road
Dublin, OH 43017

Cooper State Bank is headquartered in Dublin and is the 134th largest bank in the state of Ohio. It is also the 4,367th largest bank in the nation. It was established in 2005 and as of December of 2013, it had grown to 67 employees at 6 locations. Cooper State Bank has a B+ health rating.

Reviews (6)

I Was Treated Very Poorly...

I banked with CSBank for over two years, with a business account, then opened a personal account, because of their promised promotions. The banker never explained to me that I had to do a number of debit card transactions for me to qualify for the bonus. I go into CSBank, a few months later, and ask why I never got the credit, and they inform me that I did do the cash deposit amount but I didn't qualify for the bonus because I didn't do the debit transactions. I told them I was never informed of this, so the teller goes and talks to the sales manager, who then refuses to even talk to me, and pushes this whole matter back onto the teller. This all left a rotten taste in my mouth so I closed my business account on the spot. I went to another branch where I was told the vindictive manager at Clintonville notated my account so no one else would work with me on this bonus I felt I got bait and switched on. Nevermind that my balance is quite high, and I never overdrafted this account, and the fact that they routinely work with people on this issue daily, and credit accounts for the same issue by waiving this requirement (I know several people that they have worked with). It's obvious that I enraged her when I closed my business account, and although she couldn't find the time to talk to me face to face, she did have the time to notate my account so no one else would.

It's funny to watch a local bank with under 10 branches treat a long term customer with such disdain.  I can live with not getting my way on this, since I agree I didn't adhere to the strick terms upon opening this account, but the unprofessionalism of the Clintonville bank manager really got under my skin. As a customer I atleast deserve a face to face with her, instead of being pushed off on a teller making barely above minimum wage. I will be going to my Clintonville branch within the next few days to close out my personal account, in cash, and will transfer those funds to a bank that actually values my business. I think this bank varies from branch to branch, and the Clintonville branch is not as good as the Sawmill branch or other branches, but once I found out that the manager at Clintonville notated my account so I wouldn't get help at other branches I knew it was time to ditch this bank for another.

Really One Star Is TOO MANY - WORST BANK - BEWARE!!!!!!!

The person with the Clintonville branch is right on. We opened a business account at the Reynoldsburg branch two and half months ago. We have been treated as if we were criminals and all we have ever done is try to make legimate deposits.

I get the feeling this bank was set up to deal with people with a shady past, maybe bad credit etc., wish we had known that ahead of time. We have A++ credit and have NEVER had bounced checks or any of that.

Any way we moved our account to Heartland Bank. We explained some of the issues we had trying to make deposits at Cooper and they could not beleive it. I have another business account with Heartland and should have taken the new account there, just liked the Cooper hours, not worth it, that is there ONLY draw!!

The personel are also very cold and uncariing, well when they go down they will wish they treated their customers like they appreciated their business.

Any way we know alot of people and we will be spreading the word to stay far away from Cooper State Bank!

Sorry we wasted our time - happy to now be with a REAL bank - HEARTLAND BANK IS THE TOPS, been with them 5 years!

Great Customer Service.

This bank is new to my area but I am very glad I opened an account with them. Their website is simple and easy to use, their service is fast and the customer service is great. Best of all, if you open a checking account with $100 then they will match it and deposit $100 into your account as well. Then, there are a few other ways to get cash bonuses, such as setting up direct deposit ($25) and referring a friend ($25).

Borrowed Time

As a Former Employee and Account holder at this bank. I can easily say that it was the SINGLE WORST EXPERIENCE OF MY LIFE!! They are SHADY not only to their OWN EMPLOYEES, but ESPECIALLY to their own CUSTOMERS. They have all sorts of promotions going on and never tell the customers when it expires. The Manager at the Bank I worked at, whom was also the Hiring Manager as well is very two-faced. She will be friendly to your face and not make you aware you are making mistakes until she feels there is enough to gather up on you to put you on final review. Then, she will run you down and make you feel worthless.

Also, the Accounts manager made it blatantly obvious she did not care much for me either. What's even better is when I did try to learn the procedures and ask my managers for advice and help they made me feel as if I were hassling them and not trying to get better at honing my craft for them. It was the most tense uncomfortable environment I have ever been in my entire life!If you are looking for a job that pays $10.50 don't bother with this place it will be a waste of time, their turnover rate is ridicolous there, LITERALLY EVERYDAY A CUSTOMER WOULD COME IN AND SAY WOW ANOTHER NEW PERSON ALREADY!

These people are snobs and as I mentioned before could honestly care less about their clientele and even their own employees. Their training program is abysmal, they literally just had me observe other bankers for 3 days and then literally and figurativelly threw you to the lions. I will never forget when a customer told me that he wouldn't be suprised if C.S. Bank went under in the next 5 years and I honestly completely agree with that gentleman. Save the time and effort! If you live in Columbus, bank at U.S. Bank, Heartland, Chase, Huntington, heck anywhere, but this bank C.S. Bank doesn't stand for Cooper State Bank it stands for Cutthroat Snakes! It's a shame you can not give a negative amount of stars, because that is the only way this bank would ever get a 5 star rating from me.

Well Done!

WOW! This is by far the best bank I have ever dealt with--their customer service is consistently professional and friendly (even to small depositers). Their incentives are awesome and their hours are so user-friendly, I can't imagine doing banking anywhere else! (Tell your friends, and if they open an account naming you as having recommending them, Cooper will deposit $25 in your account, as well!.)

Good Bank. Free Stuff

Great service. Lots of free perks. Coin zone is also free, which is nice. I deposited a bunch of gold coins today at the Sawmill branch, and it was much easier than the grocery store. Did I mention free?



Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Cooper State Bank had $194,000 in non-current loans and owned real-estate with $11.02 million in equity and loan loss allowances on hand to cover it. This gives Cooper State Bank a Texas Ratio of 1.76% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Cooper State Bank experienced no significant changes from 0.01% as of December 31, 2012 to 1.76% as of December 31, 2013, resulting in a negative change of 15,401.69%. This indicates that the balance sheet and financial strength for Cooper State Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
C

In the past year, Cooper State Bank has decreased its total deposits by -$1.54 million, resulting in -1.7% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Cooper State Bank has shown is average.

Capitalization

GRADE:
C+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Cooper State Bank has $116.39 million in assets with $11.02 million in equity, resulting in a capitalization level of 9.47%, which is average.

Institution Statistics

Overall
FDIC Certificate #58041
Year Established2005
Employees67
Primary RegulatorFDIC
Assets and Liabilities
Assets$116.39 million
Loans$97.48 million
Deposits$88.73 million
Equity Capital$9.76 million
Loan Loss Allowance$1.26 million
Unbacked Noncurrent Loans$194,000
Real Estate Owned$0
Historic Data - December 2012
Assets$105.74 million
Equity Capital$7.59 million
Loan Loss Allowance$1.21 million
Unbacked Noncurrent Loans$194,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.55%
Return on Assets0.16%
Return on Equity2.11%
Interest Income$4.98 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Cooper State Bank, we are a rate comparison website and can not provide official rates or promotions.

Cooper State Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$100-Savings

Cooper State Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$200k-Money Market

Cooper State Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$50k-Club 50 Checking
0.25%$99k-Premier Checking

Cooper State Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$500-36-60 Month CD
1.00%$500-36 Month Step Up CD Special
0.50%$500-12-35 Month CD
0.25%$500-6-11 Month CD
0.15%$500-3 Month CD
Locations


Cooper State Bank Locations
Karl Road Branch1616 East Dublin Granville RoadColumbus, OH 43229
Grandview Branch1669 West Fifth AvenueColumbus, OH 43212
High Street Branch3245 North High StreetColumbus, OH 43202
Graceland Branch5090 North High StreetColumbus, OH 43214
Cooper State Bank5811 Sawmill RoadDublin, OH 43017
Reynoldsburg Branch6950 East Main StreetReynoldsburg, OH 43068