Call reports 2025
NATIONAL COOPERATIVE BANK, N.A. — 2025
What NATIONAL COOPERATIVE BANK, N.A. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 3,912,854,000 | 4,036,415,000 | 3,925,993,000 | 4,102,536,000 |
| Total loans | 3,080,073,000 | 3,171,846,000 | 3,165,762,000 | 3,182,053,000 |
| Allowance for loan losses | 26,549,000 | 29,015,000 | 29,767,000 | 28,482,000 |
| Securities available for sale | 485,603,000 | 483,118,000 | 493,392,000 | 515,134,000 |
| Securities held to maturity | 830,000 | 740,000 | 642,000 | 557,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,360,769,000 | 3,471,164,000 | 3,346,345,000 | 3,503,173,000 |
| Interest-bearing deposits | 2,907,786,000 | 3,007,888,000 | 2,876,545,000 | 2,995,762,000 |
| Noninterest-bearing deposits | 452,983,000 | 463,276,000 | 469,800,000 | 507,411,000 |
| Equity capital | 413,820,000 | 420,749,000 | 431,727,000 | 450,731,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 52,618,000 | 108,410,000 | 165,570,000 | 223,245,000 |
| Interest expense | 22,832,000 | 46,377,000 | 70,095,000 | 92,393,000 |
| Net interest income | 29,786,000 | 62,033,000 | 95,475,000 | 130,852,000 |
| Noninterest income | 12,109,000 | 21,945,000 | 32,622,000 | 46,624,000 |
| Noninterest expense | 29,626,000 | 60,505,000 | 91,376,000 | 123,714,000 |
| Provision for loan losses | -134,000 | 2,297,000 | 3,157,000 | 1,978,000 |
| Pretax income | 12,434,000 | 20,762,000 | 33,495,000 | 51,873,000 |
| Income tax | 1,268,000 | 1,933,000 | 3,238,000 | 4,674,000 |
| Net income | 11,166,000 | 18,829,000 | 30,257,000 | 47,199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 414,324,000 | 421,987,000 | 431,187,000 | 448,128,000 |
| Total capital | 442,894,000 | 453,467,000 | 463,074,000 | 478,573,000 |
| Risk-weighted assets | 3,067,723,000 | 3,170,889,000 | 3,141,548,000 | 3,102,607,000 |