Modern Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 10.46 percentage points lower than in Q1 2026, at 19.61%. Modern Bank, N.A. ranks 94th of 105 New York banks on return on assets, in the lower half at 0.26% (Q2 2026). Modern Bank, N.A.'s return on assets of 0.26% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.99 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.96% |
| Tier 1 risk-based capital ratio | 12.96% |
| Total risk-based capital ratio | 14.21% |
| Tier 1 leverage ratio | 9.56% |
| Equity capital to assets | 10.38% |
| Tangible equity to tangible assets | 9.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 7.60% |
| Non-performing assets ratio | 5.70% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 51.56% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | 19.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.26% |
| Return on equity | 2.68% |
| Net interest margin | 2.64% |
| Efficiency ratio | 108.01% |
| Yield on earning assets | 5.55% |
| Cost of funds | 3.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.30% |
| Core deposits to total deposits | 72.72% |
| Brokered deposits to total deposits | 26.57% |
| Deposits to assets | 74.07% |
| Securities to assets | 12.90% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.73% | 10.73% | 11.98% | 9.61% | 0.57% |
| Q4 2023 | 11.10% | 11.10% | 12.29% | 9.35% | 0.40% |
| Q1 2024 | 11.68% | 11.68% | 12.93% | 8.87% | 0.29% |
| Q2 2024 | 13.19% | 13.19% | 14.44% | 9.41% | 0.39% |
| Q3 2024 | 14.25% | 14.25% | 15.51% | 10.54% | 0.32% |
| Q4 2024 | 15.48% | 15.48% | 16.73% | 10.70% | 0.27% |
| Q1 2025 | 15.87% | 15.87% | 17.12% | 11.40% | -0.85% |
| Q2 2025 | 16.26% | 16.26% | 17.51% | 11.15% | -1.45% |
| Q3 2025 | 15.23% | 15.23% | 16.48% | 11.88% | -2.27% |
| Q4 2025 | 12.60% | 12.60% | 13.86% | 9.50% | -7.29% |
| Q1 2026 | 12.22% | 12.22% | 13.47% | 9.69% | 0.00% |
| Q2 2026 | 12.96% | 12.96% | 14.21% | 9.56% | 0.26% |
Modern Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Modern Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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.
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