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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q3QoQ -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-Q3

Bank #2398701 2024-Q3 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.7% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 30.9% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.97% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +9
  • Asset Quality
    ↓ -11
  • Reserves
    ↓ -11

The five pillars

Liquidity

StableQoQ -4
71
Sub-score

Liquidity is stable: brokered 33.8%, loans/deposits 88.8%, cash 17.1% of assets.

Cash / Assets
17.08%
Loans / Deposits
88.79%
Brokered %
33.82%

Watch Items

  • infoBrokered deposits above 30% — Brokered 33.8% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.06%
No watch items at this period.

Capitalization

StrongQoQ +9
98
Sub-score

Capital position is strong: Tier 1 RBC 14.25%, CET1 14.25%, leverage 10.46%.

Tier 1 RBC
14.25%
CET1
14.25%
Leverage
10.46%
No watch items at this period.

Asset Quality

StableQoQ -11
63
Sub-score

Asset quality is stable: Adjusted NPL 4.97%, Texas Ratio 30.3%, NCO YTD 0.04%.

Adjusted NPL
4.97%
Govt-guarantees stripped
Texas Ratio
30.3%
NCO YTD
0.04%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.97% (govt-guarantees stripped).

Reserves

RiskQoQ -11
33
Sub-score

Reserves are weak: ALLL 1.51% of loans, coverage 30.9%, true coverage 29.7%.

ALLL / Loans
1.51%
Coverage
30.9%
True Loss Coverage
29.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 30.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.7% (Adjusted NPL + Performing Mods denominator).

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