Bank call report · New York, NY
Modern Bank, N.A. Call Report
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Modern Bank, N.A. filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 279 reported line items, schedule by schedule (777 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 2398701 |
| FDIC certificate number | 22398 |
| Total assets | $648.5M |
Official Q2 2026 call report PDF (FFIEC) →
Modern Bank, N.A. call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (26 items)
About Schedule RC · Modern Bank, N.A. balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $648.5M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $648.5M |
| Total Liabilities and Minority Interest | RCON2948 | $581.2M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $486.6M |
| Total Deposits | RCON2200 | $480.4M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $479.4M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $399.8M |
| Other Borrowed Money | RCON3190 | $96.5M |
| Deposits: Noninterest-bearing | RCON6631 | $80.6M |
| Surplus | RCON3839 | $79.5M |
| Total Equity Capital | RCON3210 | $67.3M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $67.3M |
| Interest-bearing Balances | RCON0071 | $60.2M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $49.2M |
| Held-to-maturity Securities, Total | RCON1754 | $49.2M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $34.5M |
| Other Assets | RCON2160 | $20.9M |
| Undivided Profits and Capital Reserves | RCON3632 | -$10.3M |
| Allowance for Loan and Lease Losses | RCON3123 | $7.3M |
| Other Liabilities, Total | RCON2930 | $4.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$2.9M |
| Goodwill | RCON3163 | $2.8M |
| Intangible Assets | RCON2143 | $2.8M |
| Common Stock | RCON3230 | $920K |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $885K |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $686K |
Schedule RI: Income Statement (34 items)
About Schedule RI · Modern Bank, N.A. income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $18.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $15.1M |
| Total Interest Expense | RIAD4073 | $9.7M |
| Total Noninterest Expense | RIAD4093 | $9.0M |
| Net Interest Income | RIAD4074 | $8.5M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $8.4M |
| Salaries and Employee Benefits | RIAD4135 | $5.4M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $4.5M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $4.4M |
| Other Noninterest Expense | RIAD4092 | $3.4M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $2.1M |
| Other Interest Expense | RIADGW44 | $1.8M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $1.6M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.5M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $1.2M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.1M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $816K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | -$716K |
| Provision for Loan and Lease Losses | RIAD4230 | -$665K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $574K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $574K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $451K |
| Net Income (Loss) | RIAD4340 | $451K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $451K |
| Total Noninterest Income | RIAD4079 | $416K |
| Other Noninterest Income | RIADB497 | $407K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $258K |
| Other Interest Income | RIAD4518 | $214K |
| Applicable Income Taxes | RIAD4302 | $123K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $75K |
| Interest on Other Securities | RIAD4060 | $50K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $13K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $9K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 42 |
Schedule RC-B: Securities (24 items)
About Schedule RC-B · Modern Bank, N.A. securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $28.9M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $26.2M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Amortized Cost | RCONG312 | $35.0M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Fair Value | RCONG313 | $33.4M |
| Pledged Securities | RCON0416 | $82.1M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $46.6M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $38.6M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $34.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $31.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $9.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Amortized Cost | RCONHT54 | $8.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Fair Value | RCONHT55 | $8.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $7.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $6.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $6.2M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Amortized Cost | RCONK150 | $4.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Fair Value | RCONK151 | $4.5M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $2.0M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $1.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $1.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $691K |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost | RCONHT50 | $691K |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value | RCONHT51 | $670K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $170K |
Schedule RC-C, Part I: Loans and Leases (23 items)
About Schedule RC-C, Part I · Modern Bank, N.A. loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $486.6M |
| Commercial and Industrial Loans | RCON1766 | $216.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $212.3M |
| Pledged Loans and Leases | RCONG378 | $180.5M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $124.7M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $115.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $107.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $65.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $55.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $44.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $27.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $26.7M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $26.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $19.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $15.5M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $10.4M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $9.7M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $9.7M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $7.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $3.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $3.0M |
| Unearned Income on Loans | RCON2123 | $23K |
| Other Loans | RCONJ464 | $7K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $2.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $967K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $51K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 9 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 4 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 1 |
Schedule RC-E: Deposit Liabilities (29 items)
About Schedule RC-E · Modern Bank, N.A. deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $288.6M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $244.0M |
| Total reciprocal deposits | RCONJH83 | $205.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $204.8M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $201.6M |
| Total Transaction Accounts | RCON2215 | $191.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $172.0M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $162.3M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $127.6M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $127.6M |
| Total Brokered Deposits | RCON2365 | $127.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $117.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $83.7M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $75.7M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $63.2M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $62.3M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $54.6M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $43.2M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $26.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $6.8M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $3.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $3.4M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $3.4M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $3.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $2.5M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $1.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $873K |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $780K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $250K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $8.5M |
| Net Deferred Tax Assets | RCON2148 | $6.9M |
| Other Assets | RCON2168 | $3.2M |
| Accrued Interest Receivable | RCONB556 | $2.2M |
| Computer Software | RCONFT33 | $1.1M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $708K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $1.8M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.5M |
| All Other Liabilities | RCON2938 | $984K |
| Operating lease liabilities | RCONLB56 | $646K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $97K |
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · Modern Bank, N.A. quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $680.9M |
| Quarterly Average of Total Loans | RCON3360 | $497.2M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $232.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $211.8M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $174.8M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $132.3M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $109.6M |
| Mortgage-backed Securities | RCONB559 | $90.8M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $74.8M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $65.2M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $65.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $3.6M |
| All Other Securities | RCONB560 | $2.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $694K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (4 items)
About Schedule RC-L · Modern Bank, N.A. derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $27.6M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $25.0M |
| Other unused commitments: Loans to nondepository financial institutions | RCONPV11 | $6.0M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $3.4M |
Schedule RC-M: Memoranda (7 items)
About Schedule RC-M · Modern Bank, N.A. memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $86.0M |
| FHLB Advances: Structured Advances | RCONF059 | $45.0M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $10.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $10.0M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF060 | $501K |
| Other Borrowings: with a Remaining Maturity of One Year or Less | RCONB571 | $501K |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $501K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (6 items)
About Schedule RC-N · Modern Bank, N.A. past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $27.3M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $20.5M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $7.1M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $7.1M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Nonaccrual | RCON3501 | $6.8M |
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $315K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (8 items)
About Schedule RC-O · Modern Bank, N.A. other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $680.9M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $481.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $346.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $135.2M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $64.4M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 2,298 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 165 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Modern Bank, N.A. regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Modern Bank, N.A. regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $680.9M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $675.3M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $498.4M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $80.4M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $70.8M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $67.3M |
| Common Equity Tier 1 Capital | RCOAP859 | $64.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $64.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $64.6M |
| Retained Earnings | RCOAKW00 | -$10.3M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $6.2M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $6.2M |
| Tier 2 Capital Before Deductions | RCOAP870 | $6.2M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $5.6M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$2.9M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$2.9M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $2.8M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $2.8M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1421 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1296 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1296 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0956 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0621 |
Schedule RC-R, Part II: Risk-Weighted Assets (51 items)
About Schedule RC-R, Part II · Modern Bank, N.A. risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $499.5M |
| Total Risk-weighted Assets | RCONG641 | $498.4M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $452.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $452.2M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $432.0M |
| Loans and Leases Held for Sale, All Other Exposures - 100 Pct Risk Weight Category | RCONS436 | $394.1M |
| Total Loans and Leases Held for Sale, All Other Exposures | RCONS431 | $394.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $86.3M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $86.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $67.4M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $67.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $65.4M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $65.4M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $65.2M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $65.2M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $60.9M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $58.5M |
| Total Held-to-maturity Securities | RCOND961 | $49.2M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $34.5M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $33.5M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $32.7M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $30.7M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $29.4M |
| Loans and Leases Held for Sale, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS428 | $27.3M |
| Total Loans and Leases Held for Sale, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS423 | $27.3M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $25.0M |
| Total All Other Assets | RCOND981 | $24.6M |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCOND962 | $18.5M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $16.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $16.8M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $13.5M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $10.6M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $7.2M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $6.8M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $4.8M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$4.5M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$4.0M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $3.4M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $3.4M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $3.4M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $2.4M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $2.2M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $2.0M |
| Available-for-sale Securities - Application of Other Risk Weighting Approaches Exposure Amount | RCONH271 | $2.0M |
| Available-for-sale Securities - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH272 | $1.1M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $219K |
| Over-the-counter Derivatives - 20 Pct Risk Weight Category | RCONS545 | $145K |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $145K |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $20K |
| All Other Assets - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH295 | $2K |
| All Other Assets -Application of Other Risk Weighting Approaches Exposure Amount | RCONH294 | $2K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $67.3M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $67.0M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $67.0M |
| Other Comprehensive Income | RIADB511 | -$187K |
| Other Transactions with Stockholders (Including Parent Holding Company) | RIAD4415 | $89K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Modern Bank, N.A. changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $7.9M |
| Allowance for Loan and Lease Losses | RIAD3123 | $7.3M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$51K |
Schedule RI-E: Explanations (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| First Itemized Transaction of Other Transactions with Stockholders (Including Parent Holding Company) (4415) | RIAD4498 | $87K |
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $57.5M |
Modern Bank, N.A. call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Modern Bank, N.A. call report?
The Modern Bank, N.A. call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Modern Bank, N.A. file?
Modern Bank, N.A. files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Modern Bank, N.A. call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Modern Bank, N.A. has Federal Reserve RSSD ID 2398701 and FDIC certificate number 22398. Either one finds its filings on the FFIEC Central Data Repository.
How often does Modern Bank, N.A. file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Modern Bank, N.A. financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 22398) · FFIEC NIC profile (RSSD 2398701)