Modern Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 7.85 percentage points higher than in Q1 2026, at 252.16%. Modern Bank, N.A. ranks 14th of 105 New York banks on loan-to-deposit ratio, in the upper half at 101.30% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Modern Bank, N.A. sits 20.46 points higher, at 101.30% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $486.6M |
| Net loans and leases | $479.4M |
| Loans held for sale | $0 |
| Loans to total assets | 75.03% |
| Loan-to-deposit ratio | 101.30% |
| Net loans to equity capital | 7.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.93% |
| Multifamily (5+ residential) | 23.79% |
| Commercial and industrial | 44.45% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 252.16% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.17% |
| Interest income on loans | $7.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $719.2M | $686.1M | 29.80% | 58.02% | 0.00% |
| Q4 2023 | $670.7M | $781.4M | 31.54% | 55.64% | 0.00% |
| Q1 2024 | $652.0M | $801.0M | 31.83% | 54.81% | 0.00% |
| Q2 2024 | $609.3M | $692.8M | 6.86% | 55.78% | 0.00% |
| Q3 2024 | $578.9M | $642.1M | 6.75% | 55.85% | 0.00% |
| Q4 2024 | $534.6M | $614.1M | 7.27% | 57.27% | 0.00% |
| Q1 2025 | $501.4M | $564.5M | 7.33% | 53.96% | 0.00% |
| Q2 2025 | $468.9M | $533.9M | 8.11% | 52.45% | 0.00% |
| Q3 2025 | $485.2M | $496.6M | 7.83% | 54.59% | 0.00% |
| Q4 2025 | $487.1M | $512.9M | 10.97% | 51.30% | 0.00% |
| Q1 2026 | $504.3M | $523.1M | 11.52% | 47.89% | 0.00% |
| Q2 2026 | $486.6M | $480.4M | 12.93% | 44.45% | 0.00% |
Modern Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Modern Bank, N.A., freeSource: Call Report Schedule RC-C, 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)