Modern Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Modern Bank, N.A. of New York, NY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.26% | 1.35% | -1.09% | 8th bottom |
| ROAE | 2.68% | 13.32% | -10.64% | 8th bottom |
| Net Interest Margin | 2.64% | 3.93% | -1.29% | 4th bottom |
| Efficiency Ratio | 108.01% | 61.11% | +46.90% | 2nd bottom |
| PPNR / Avg Assets | -0.21% | 1.68% | -1.89% | 2nd bottom |
| Yield on Earning Assets | 5.55% | 5.67% | -0.12% | 48th below |
| Cost of Funds | 3.14% | 1.88% | +1.26% | 4th bottom |
| Net Interest Spread | 1.80% | 3.32% | -1.52% | 3rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 7.60% | 0.94% | +6.66% | 1st bottom |
| NPA / Total Assets | 5.70% | 0.70% | +5.00% | 1st bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.49% | 1.28% | +0.21% | 78th top |
| ACL / NPLs (Coverage) | 19.61% | 1539.72% | -1520.11% | 1st bottom |
| Texas Ratio | 51.56% | 7.30% | +44.26% | 1st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.96% | 19.51% | -6.55% | 28th below |
| Tier 1 Ratio | 12.96% | 19.54% | -6.58% | 27th below |
| Total Capital Ratio | 14.21% | 20.63% | -6.42% | 29th below |
| Leverage Ratio | 9.56% | 12.14% | -2.58% | 23rd bottom |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.38% | 11.37% | -0.99% | 51st above |
| TCE / Tangible Assets | 9.99% | 11.09% | -1.10% | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.30% | 80.62% | +20.68% | 10th bottom |
| Core Deposit Ratio | 72.72% | 86.87% | -14.15% | 7th bottom |
| Wholesale Funding Ratio | 14.88% | 5.02% | +9.86% | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -8.76% | 6.86% | -15.62% | 2nd bottom |
| Loan Growth (Y/Y) | 3.78% | 7.91% | -4.13% | 41st below |
| Deposit Growth (Y/Y) | -10.03% | 6.30% | -16.33% | 2nd bottom |
See Modern Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Modern Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Modern Bank, N.A. profile, how to read a UBPR, or how this data updates.