<Page>
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): April 1, 2002
NATIONAL CONSUMER COOPERATIVE BANK
----------------------------------
(Exact name of registrant as specified in its charter)
<Table>
United States of America
(12 U.S.C. Section 3001 et seq.) 2-99779 52-1157795
-------------------------------- ------- ----------
(State or Other Jurisdiction (Commission (IRS Employer
of Incorporation or Organization) File Number) Identification No.)
</Table>
1725 EYE ST., NW, SUITE 600, WASHINGTON, DC 20006
-------------------------------------------------
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (202) 336-7700
<Page>
Item 5. Other Events.
National Consumer Cooperative Bank ("NCCB") has issued a notification regarding
a restatement of its 2001 quarterly earnings. A copy is filed herewith as an
exhibit.
Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.
(a) Not applicable.
(b) Not applicable.
(c) Exhibits:
<Table>
<Caption>
EXHIBIT NUMBER EXHIBIT
-------------- -------
99 Notification regarding restatement of 2001
quarterly earnings
</Table>
<Page>
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
NATIONAL CONSUMER COOPERATIVE BANK
----------------------------------
(Registrant)
Date: April 1, 2002 By: /s/ RICHARD L. REED
----------------------- ---------------------------
Richard L. Reed
Managing Director,
Chief Financial Officer