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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2025-Q4QoQ -4

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

Quarterly Headline

2025-Q4

Bank #2398701 2025-Q4 Vital Signs Score: 65/100 — 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
    Net charge-offs elevated
    Asset Quality — NCO YTD 7.28% of loans.
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.71% (govt-guarantees stripped).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 27.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -16
  • Asset Quality
    ↑ +2
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -1
66
Sub-score

Liquidity is stable: brokered 34.1%, loans/deposits 93.4%, cash 9.1% of assets.

Cash / Assets
9.10%
Loans / Deposits
93.43%
Brokered %
34.11%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.1% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.27%
No watch items at this period.

Capitalization

StrongQoQ -16
84
Sub-score

Capital position is strong: Tier 1 RBC 12.60%, CET1 12.60%, leverage 9.42%.

Tier 1 RBC
12.60%
CET1
12.60%
Leverage
9.42%
No watch items at this period.

Asset Quality

WatchQoQ +2
45
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.71%, Texas Ratio 38.0%, NCO YTD 7.28%.

Adjusted NPL
5.71%
Govt-guarantees stripped
Texas Ratio
38.0%
NCO YTD
7.28%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.71% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 7.28% of loans.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 1.63% of loans, coverage 29.0%, true coverage 27.1%.

ALLL / Loans
1.63%
Coverage
29.0%
True Loss Coverage
27.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 29.0% (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