NATIONAL COOPERATIVE BANK

Overview

What stands out about NATIONAL COOPERATIVE BANK?

Against its six size peers, its noncurrent loans to total loans stands out most: 2.67% at Q2 2026, above the peer median of 0.67%. Its noncurrent loans to total loans of 2.67% at Q2 2026 is among the highest 5% of the 500 banks reporting it, a loan-quality outlier (rank 476 of 500, 1 = lowest).

How large is NATIONAL COOPERATIVE BANK?

At Q2 2026 the bank held $4.3 bn of assets. Deposits were $3.6 bn and net loans and leases $3.4 bn, a loan-to-deposit ratio of 95.49%. Securities of $493.1 mn made up 11.4% of assets.

Total assets rose 104.5% between Q1 2016 and Q2 2026, from $2.1 bn.

How much of its funding is uninsured?

An estimated 56.73% of domestic deposits were above the FDIC insurance limit at Q2 2026, -1.13 pp from the previous quarter and -1.58 pp from a year earlier. That share ranks 41st among 500 banks reporting this metric (1 = highest).

Key facts, Q2 2026

US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.

The common equity tier 1 (CET1) ratio was 14.05% at Q2 2026, +0.74 pp from a year earlier. Since Q1 2016 it has ranged from 12.47% (Q3 2024) to 15.45% (Q4 2021). At Q2 2026 the tier 1 leverage ratio was 11.28% and the total risk-based capital ratio 14.99%. The median CET1 ratio of the size peers listed below was 14.21% at Q2 2026.

Held-to-maturity securities had an unrealized loss of $5,000 at Q2 2026, measured as fair value minus amortized cost, equal to 0.0% of bank equity capital. The loss narrowed by $9,000 from a year earlier. The largest unrealized loss on these securities was $192,000 at Q3 2018. Available-for-sale securities showed an unrealized gain of $3.4 mn at Q2 2026; the gain turned from a loss into a gain from a year earlier.

Return on equity was 12.40% for the year to Q2 2026, annualized, with a return on assets of 1.37% and a net interest margin of 3.50%. The margin was +0.22 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 66.21%. Net income for the year to Q2 2026 was $28.8 mn, up 52.8% on the same period a year earlier. The median return on equity of its size peers was 11.15% for the same period.

Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 2.67% of total loans at Q2 2026. Net charge-offs for the year to date were 0.02% of average loans, annualized.

The FDIC history records no mergers or acquisitions for NATIONAL COOPERATIVE BANK since Q1 2016, and its total assets never moved more than 25% in one quarter.