BlastPoint's Banking Scorecard
Modern Bank, National Association
Community
Specialty: Commercial
NY
FDIC cert 22398
New York, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Modern Bank, National Association faces 8 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1% in Community
- - Efficiency Drag: Bottom 14% in Community
- - Capital Constraint: Bottom 30% in Community
- - Return on Assets 4.01% below tier
- - Net Interest Margin 1.21% below tier
- - Delinquency Rate 5.08% above tier
- - Nonperforming Asset Ratio 3.62% above tier
- - Non-Interest Income / Assets 0.62% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$664.1M
-14.7% YoY
+0.6% QoQ
|
-$727.4M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$479.2M
-9.0% YoY
+0.6% QoQ
|
-$496.3M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$512.9M
-16.5% YoY
+3.3% QoQ
|
-$651.7M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 15% in tier |
| Return on Assets ? |
-2.85%
-995.2% YoY
-96.2% QoQ
|
-4.01% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
2.46%
-8.8% YoY
+1.5% QoQ
|
-1.21% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
110.29%
+33.6% YoY
+11.8% QoQ
|
+47.66% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
5.71%
-13.8% YoY
-11.2% QoQ
|
+5.08% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
93.43%
+9.0% YoY
-2.6% QoQ
|
+10.37% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
13.53%
+37.8% YoY
-2.8% QoQ
|
-7.51% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
4.12%
-8.1% YoY
-11.2% QoQ
|
+3.62% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
12.60%
-18.6% YoY
-17.2% QoQ
|
+2.36% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.12%
-51.5% YoY
+53.5% QoQ
|
-0.62% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (8)
Liquidity Strain
risk
#6 of 513 · Bottom 1% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
93.43%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#22 of 152 · Bottom 14% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
110.29%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Capital Constraint
risk
#15 of 47 · Bottom 30% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
93.43%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
12.60%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
-2.85%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 5%
in Community
Why this stands out
Current:
2.46%
(Tier avg: 3.66%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
5.71%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
4.12%
(Tier avg: 0.50%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.12%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
53
53th pctile
Tier 1 Capital Ratio
Current: 12.60% · Tier avg: 10.24%
27
27th pctile
Total Loans
Current: $479.2M · Tier avg: $975.5M
26
26th pctile
Loan-to-Deposit Ratio
Current: 93.43% · Tier avg: 83.06%
24
24th pctile
Total Assets
Current: $664.1M · Tier avg: $1.4B
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.53% · Tier avg: 21.05%
15
15th pctile
Total Deposits
Current: $512.9M · Tier avg: $1.2B
5
5th pctile
Net Interest Margin
Current: 2.46% · Tier avg: 3.66%
4
4th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.74%
1
1th pctile
Efficiency Ratio
Current: 110.29% · Tier avg: 62.63%
0
0th pctile
Return on Assets
Current: -2.85% · Tier avg: 1.16%
0
0th pctile
Delinquency Rate
Current: 5.71% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.12% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.12% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 5.71% · Tier avg: 0.63%
0
0th pctile
Return on Assets
Current: -2.85% · Tier avg: 1.16%
1
1th pctile
Efficiency Ratio
Current: 110.29% · Tier avg: 62.63%
4
4th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.74%
5
5th pctile
Net Interest Margin
Current: 2.46% · Tier avg: 3.66%
15
15th pctile
Total Deposits
Current: $512.9M · Tier avg: $1.2B
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.53% · Tier avg: 21.05%
24
24th pctile
Total Assets
Current: $664.1M · Tier avg: $1.4B
26
26th pctile
Loan-to-Deposit Ratio
Current: 93.43% · Tier avg: 83.06%
27
27th pctile
Total Loans
Current: $479.2M · Tier avg: $975.5M
53
53th pctile
Tier 1 Capital Ratio
Current: 12.60% · Tier avg: 10.24%