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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q4QoQ +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-Q4

Bank #99376 2025-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.5% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 39.4% (regulatory soft-warning level 50%).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.82%.

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ +9
84
Sub-score

Liquidity is strong: brokered 0.8%, loans/deposits 90.0%, cash 7.7% of assets.

Cash / Assets
7.72%
Loans / Deposits
90.02%
Brokered %
0.78%
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
0.01%
No watch items at this period.

Capitalization

StrongQoQ +3
98
Sub-score

Capital position is strong: Tier 1 RBC 14.45%, CET1 14.45%, leverage 10.93%.

Tier 1 RBC
14.45%
CET1
14.45%
Leverage
10.93%
No watch items at this period.

Asset Quality

StableQoQ -5
67
Sub-score

Asset quality is stable: Adjusted NPL 2.29%, Texas Ratio 15.2%, NCO YTD 0.01%.

Adjusted NPL
2.29%
Govt-guarantees stripped
Texas Ratio
15.2%
NCO YTD
0.01%
30-89 PD
0.63%
Band 0.3% / 3.0%
90+ PD
1.82%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.29% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.82%.

Reserves

RiskQoQ -5
17
Sub-score

Reserves are weak: ALLL 0.90% of loans, coverage 39.4%, true coverage 38.5%.

ALLL / Loans
0.90%
Coverage
39.4%
True Loss Coverage
38.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 39.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.5% (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