MODERN BANK, NATIONAL ASSOCIATION

NEW YORK, NY | Medium | Est. Jan. 1, 1977, midnight | FDIC #22398 | RSSD #2398701 | OCC
Latest Report: 2025-12-31

MODERN BANK, NATIONAL ASSOCIATION is amn medium FDIC-insured commercial bank headquartered in NEW YORK, NY, established in Jan. 1, 1977, midnight. As of 2025-12-31, the bank reported total assets of $664M and total deposits of $513M. Profitability stands at -7.49% ROA and -67.73% ROE, with a net interest margin of 2.75%. The bank's CET1 capital ratio is 12.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 5.61% and a Texas Ratio of 36.51%. FDIC Certificate #22398.

Assets

$664M

Deposits

$513M

Loans

$487M

Equity

$67M

Profitability

Return on Assets (ROA) -7.49%
Return on Equity (ROE) -67.73%
Net Interest Margin (NIM) 2.75%
Yield on Assets 6.11%
Cost of Funds 3.50%

Asset Quality

NPL Ratio 5.61%
Net Charge-Off Ratio 3.88%
Texas Ratio 36.51%
NPA Ratio 4.12%
ACL / Loans 1.63%

Capital & Liquidity

CET1 Ratio 12.60%
Tier 1 Capital 12.60%
Total Capital Ratio 13.86%
Leverage Ratio 9.50%
Loan-to-Deposit 94.98%

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