Modern Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Equity capital to total assets: 0.77 percentage points higher than in Q1 2026, at 10.38%. Within New York, Modern Bank, N.A. is 66th of 82 on CET1 ratio, 12.96% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Modern Bank, N.A. sits 2.11 points lower, at 12.96% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.96% |
| Tier 1 risk-based capital ratio | 12.96% |
| Total risk-based capital ratio | 14.21% |
| Tier 1 leverage ratio | 9.56% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $64.6M |
| Tier 1 capital | $64.6M |
| Total risk-based capital | $70.8M |
| Total equity capital | $67.3M |
| Risk-weighted assets | $498.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.38% |
| Tangible equity to tangible assets | 9.99% |
| Equity capital to average assets | 9.89% |
| Internal capital growth rate | 2.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $920K |
| Common stock surplus | $79.5M |
| Retained earnings | -$10.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.73% | 10.73% | 11.98% | 9.61% | $794.5M |
| Q4 2023 | 11.10% | 11.10% | 12.29% | 9.35% | $751.2M |
| Q1 2024 | 11.68% | 11.68% | 12.93% | 8.87% | $720.7M |
| Q2 2024 | 13.19% | 13.19% | 14.44% | 9.41% | $637.6M |
| Q3 2024 | 14.25% | 14.25% | 15.51% | 10.54% | $594.9M |
| Q4 2024 | 15.48% | 15.48% | 16.73% | 10.70% | $550.9M |
| Q1 2025 | 15.87% | 15.87% | 17.12% | 11.40% | $524.0M |
| Q2 2025 | 16.26% | 16.26% | 17.51% | 11.15% | $494.5M |
| Q3 2025 | 15.23% | 15.23% | 16.48% | 11.88% | $501.0M |
| Q4 2025 | 12.60% | 12.60% | 13.86% | 9.50% | $508.1M |
| Q1 2026 | 12.22% | 12.22% | 13.47% | 9.69% | $524.6M |
| Q2 2026 | 12.96% | 12.96% | 14.21% | 9.56% | $498.4M |
Modern Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Modern Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Modern Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22398) · FFIEC NIC profile (RSSD 2398701)