Total Assets
$512M
Total balance-sheet footings
FDIC Cert #7018 · Coxsackie, New York · Est. 1852
The National Bank of Coxsackie - FDIC Bank Health Profile
A community-scale look at The National Bank of Coxsackie's own numbers, pulled straight from its quarterly FDIC Call Report.
- $512M
- Total assets
- B
- Health grade · Good
- 0.29%
- Return on assets
- 17.2%
- Tier 1 capital
Data updated July 2026
The verdict
The National Bank of Coxsackie earns a PlainBankData health grade of B (67/100), with well-capitalized at 17.17% Tier 1, 0.29% ROA, 90% efficiency ratio.
- #1,762
- largest of 4,313 FDIC banks by assets
- 59th
- percentile by asset size, nationally
- 17.17%
- Tier 1 ratio - above the 10% well-capitalized line
- 10th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How The National Bank of Coxsackie's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The National Bank of Coxsackie's composite health score
Tier 1 Capital Ratio (17.17%) 40/40
Return on Assets (ROA) (0.29%) 7/25
Texas Ratio (2.73%) 20/20
Efficiency Ratio (89.76%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$452M
Customer-funded liabilities
Net Loans
$363M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The National Bank of Coxsackie ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The National Bank of Coxsackie's score of 67/100 falls in the highlighted band.
The National Bank of Coxsackie's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The National Bank of Coxsackie's $512M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.17% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.17%
Texas Ratio
2.73%
Equity Capital
$45M
Profitability metrics
Return on Assets (ROA)
10th percentile nationally
0.29%
Return on Equity (ROE)
3.66%
Efficiency Ratio
89.76%
What the numbers say about The National Bank of Coxsackie
The National Bank of Coxsackie is an FDIC-insured institution (Certificate #7018) headquartered in Coxsackie, New York, established in 1852. It holds $512M in total assets - 1,762nd of 4,313 FDIC-insured banks, $452M in customer deposits, and $363M in net loans. Its capital position: a Tier 1 ratio of 17.17%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.73% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (67 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The National Bank of Coxsackie sits 81st of 120 banks headquartered in New York by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$23M
Interest Income
$2M
Non-Interest Income
$14M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The National Bank of Coxsackie reports a Texas Ratio of 2.73% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.73% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The National Bank of Coxsackie (FDIC Cert #7018) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
Frequently asked questions
What is The National Bank of Coxsackie's health grade?▼
The National Bank of Coxsackie receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The National Bank of Coxsackie?▼
The National Bank of Coxsackie holds $512M in total assets and $452M in deposits, ranking 1,762nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Coxsackie, New York.
Is my money safe at The National Bank of Coxsackie?▼
Yes, deposits at The National Bank of Coxsackie (Certificate #7018) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The National Bank of Coxsackie's Tier 1 Capital Ratio?▼
The National Bank of Coxsackie has a Tier 1 Capital Ratio of 17.17%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The National Bank of Coxsackie?▼
The National Bank of Coxsackie has a Texas Ratio of 2.73%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The National Bank of Coxsackie?▼
The National Bank of Coxsackie has an Efficiency Ratio of 89.76%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The National Bank of Coxsackie's profile as a depositor or analyst.
- The National Bank of Coxsackie's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The National Bank of Coxsackie against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.