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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 — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q1QoQ +3

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

Quarterly Headline

2024-Q1

Bank #2398701 2024-Q1 Vital Signs Score: 75/100 — 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
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.57% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +13
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ -3
76
Sub-score

Liquidity is stable: brokered 27.7%, loans/deposits 80.3%, cash 21.5% of assets.

Cash / Assets
21.52%
Loans / Deposits
80.29%
Brokered %
27.69%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.57%
No watch items at this period.

Capitalization

StableQoQ +3
76
Sub-score

Capital position is stable: Tier 1 RBC 11.68%, CET1 11.68%, leverage 8.80%.

Tier 1 RBC
11.68%
CET1
11.68%
Leverage
8.80%
No watch items at this period.

Asset Quality

StableQoQ +13
79
Sub-score

Asset quality is stable: Adjusted NPL 2.57%, Texas Ratio 17.8%, NCO YTD 0.00%.

Adjusted NPL
2.57%
Govt-guarantees stripped
Texas Ratio
17.8%
NCO YTD
0.00%
30-89 PD
0.56%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.57% (govt-guarantees stripped).

Reserves

WatchQoQ -3
41
Sub-score

Reserves are deteriorating: ALLL 1.37% of loans, coverage 54.0%, true coverage 54.0%.

ALLL / Loans
1.37%
Coverage
54.0%
True Loss Coverage
54.0%
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