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Modern Bank National Association

IDRSSD: 2398701
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2023-Q4QoQ -15

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #2398701 2023-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Stable
Reserves:Watch

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.42% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.13% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -15 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -34
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +1
80
Sub-score

Liquidity is stable: brokered 19.3%, loans/deposits 84.7%, cash 16.5% of assets.

Cash / Assets
16.50%
Loans / Deposits
84.72%
Brokered %
19.33%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.87%
No watch items at this period.

Capitalization

StableQoQ 0
73
Sub-score

Capital position is stable: Tier 1 RBC 11.10%, CET1 11.10%, leverage 9.28%.

Tier 1 RBC
11.10%
CET1
11.10%
Leverage
9.28%
No watch items at this period.

Asset Quality

StableQoQ -34
66
Sub-score

Asset quality is stable: Adjusted NPL 2.13%, Texas Ratio 15.3%, NCO YTD 1.42%.

Adjusted NPL
2.13%
Govt-guarantees stripped
Texas Ratio
15.3%
NCO YTD
1.42%
30-89 PD
1.46%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.13% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.42% of loans.

Reserves

Watch
44
Sub-score

Reserves are deteriorating: ALLL 1.29% of loans, coverage 61.5%, true coverage 61.5%.

ALLL / Loans
1.29%
Coverage
61.5%
True Loss Coverage
61.5%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 01:26:52 UTC