Visbanking Logo
Skip to main content

National Cooperative Bank Na

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2026-Q1QoQ -1

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

Quarterly Headline

2026-Q1

Bank #99376 2026-Q1 Vital Signs Score: 75/100 — 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 33.8% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 35.2% (regulatory soft-warning level 50%).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.90%.

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ +1
86
Sub-score

Liquidity is strong: brokered 0.6%, loans/deposits 89.9%, cash 8.3% of assets.

Cash / Assets
8.29%
Loans / Deposits
89.93%
Brokered %
0.63%
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 +1
99
Sub-score

Capital position is strong: Tier 1 RBC 14.70%, CET1 14.70%, leverage 11.16%.

Tier 1 RBC
14.70%
CET1
14.70%
Leverage
11.16%
No watch items at this period.

Asset Quality

StableQoQ -3
63
Sub-score

Asset quality is stable: Adjusted NPL 2.53%, Texas Ratio 16.4%, NCO YTD 0.01%.

Adjusted NPL
2.53%
Govt-guarantees stripped
Texas Ratio
16.4%
NCO YTD
0.01%
30-89 PD
0.72%
Band 0.3% / 3.0%
90+ PD
1.90%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.53% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.90%.

Reserves

RiskQoQ -3
14
Sub-score

Reserves are weak: ALLL 0.88% of loans, coverage 35.2%, true coverage 33.8%.

ALLL / Loans
0.88%
Coverage
35.2%
True Loss Coverage
33.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 35.2% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 33.8% (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