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National Cooperative Bank Na

IDRSSD: 99376
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q1QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #99376 2024-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2023:
↑ 0 ptscomposite
  • Liquidity
    ↑ +12
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -8

The five pillars

Liquidity

StrongQoQ +12
90
Sub-score

Liquidity is strong: brokered 1.7%, loans/deposits 88.7%, cash 15.2% of assets.

Cash / Assets
15.20%
Loans / Deposits
88.71%
Brokered %
1.66%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.03%
No watch items at this period.

Capitalization

StrongQoQ +3
99
Sub-score

Capital position is strong: Tier 1 RBC 13.79%, CET1 13.79%, leverage 10.81%.

Tier 1 RBC
13.79%
CET1
13.79%
Leverage
10.81%
No watch items at this period.

Asset Quality

StableQoQ -7
79
Sub-score

Asset quality is stable: Adjusted NPL 1.85%, Texas Ratio 12.0%, NCO YTD 0.01%.

Adjusted NPL
1.85%
Govt-guarantees stripped
Texas Ratio
12.0%
NCO YTD
0.01%
30-89 PD
0.68%
Band 0.3% / 3.0%
90+ PD
0.90%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -8
27
Sub-score

Reserves are weak: ALLL 0.97% of loans, coverage 52.9%, true coverage 52.8%.

ALLL / Loans
0.97%
Coverage
52.9%
True Loss Coverage
52.8%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 10:28:39 UTC