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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 — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2025-Q3QoQ -1

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

Quarterly Headline

2025-Q3

Bank #2398701 2025-Q3 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.42% (govt-guarantees stripped).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.93% of loans.
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 27.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ -5
67
Sub-score

Liquidity is stable: brokered 34.7%, loans/deposits 95.9%, cash 10.1% of assets.

Cash / Assets
10.10%
Loans / Deposits
95.93%
Brokered %
34.66%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.7% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.33%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.23%, CET1 15.23%, leverage 11.77%.

Tier 1 RBC
15.23%
CET1
15.23%
Leverage
11.77%
No watch items at this period.

Asset Quality

WatchQoQ -2
43
Sub-score

Asset quality is deteriorating: Adjusted NPL 6.42%, Texas Ratio 35.9%, NCO YTD 2.93%.

Adjusted NPL
6.42%
Govt-guarantees stripped
Texas Ratio
35.9%
NCO YTD
2.93%
30-89 PD
0.72%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.42% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 2.93% of loans.

Reserves

RiskQoQ 0
33
Sub-score

Reserves are weak: ALLL 1.82% of loans, coverage 28.9%, true coverage 27.1%.

ALLL / Loans
1.82%
Coverage
28.9%
True Loss Coverage
27.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 28.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 27.1% (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