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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 — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q3QoQ -1

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

Quarterly Headline

2025-Q3

Bank #99376 2025-Q3 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 45.9% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 46.3% (regulatory soft-warning level 50%).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.48%.

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -8
76
Sub-score

Liquidity is stable: brokered 1.0%, loans/deposits 93.7%, cash 4.7% of assets.

Cash / Assets
4.67%
Loans / Deposits
93.71%
Brokered %
0.96%
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
0.02%
No watch items at this period.

Capitalization

StrongQoQ +3
95
Sub-score

Capital position is strong: Tier 1 RBC 13.73%, CET1 13.73%, leverage 10.75%.

Tier 1 RBC
13.73%
CET1
13.73%
Leverage
10.75%
No watch items at this period.

Asset Quality

StableQoQ 0
71
Sub-score

Asset quality is stable: Adjusted NPL 2.05%, Texas Ratio 14.0%, NCO YTD 0.01%.

Adjusted NPL
2.05%
Govt-guarantees stripped
Texas Ratio
14.0%
NCO YTD
0.01%
30-89 PD
0.68%
Band 0.3% / 3.0%
90+ PD
1.48%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.05% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.48%.

Reserves

RiskQoQ +2
22
Sub-score

Reserves are weak: ALLL 0.94% of loans, coverage 46.3%, true coverage 45.9%.

ALLL / Loans
0.94%
Coverage
46.3%
True Loss Coverage
45.9%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.9% (Adjusted NPL + Performing Mods denominator).

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