BlastPoint's Banking Scorecard

Modern Bank, National Association

$100M-$1B Specialty: Commercial NY FDIC cert 22398

New York, NY

2 branches across NJ · NY

2664 banks in the $100M-$1B peer group nationally 51 in NY

Modern Bank, National Association faces 7 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 15.7% in tier
- Capital Constraint: Bottom 26.8% in tier
- Return on Assets 1.27% below tier average
- Net Interest Margin 1.44% below tier average
- Efficiency Ratio 29.62% above tier average
- Delinquency Rate 4.57% above tier average
- Nonperforming Asset Ratio 3.25% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$696.4M -6.4% YoY +4.9% QoQ	+$310.3M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	Top 12.9% in tier
Total Loans ?	$496.1M +0.5% YoY +3.5% QoQ	+$240.4M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	Top 11.3% in tier
Total Deposits ?	$523.1M -7.3% YoY +2.0% QoQ	+$195.1M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	82%
Return on Assets ?	0.00% +100.1% YoY +100.0% QoQ	-1.27%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	Bottom 3.5% in tier
Net Interest Margin ?	2.49% +11.3% YoY +1.3% QoQ	-1.44%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	Bottom 3.0% in tier
Efficiency Ratio ?	94.91% -10.1% YoY -13.9% QoQ	+29.62%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Bottom 4.0% in tier
Delinquency Rate ?	5.46% -21.1% YoY -4.3% QoQ	+4.57%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	Bottom 1.7% in tier
Loan-to-Deposit Ratio ?	94.86% +8.5% YoY +1.5% QoQ	+18.22%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	16%
Non-Interest-Bearing Deposit Share ?	17.23% +78.5% YoY +27.3% QoQ	-4.79%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	33%
Nonperforming Asset Ratio ?	3.89% -15.3% YoY -5.5% QoQ	+3.25%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	Bottom 1.7% in tier
Tier 1 Capital Ratio ?	12.22% -23.0% YoY -3.1% QoQ	-3.61%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.04% -14.0% YoY -67.8% QoQ	-0.24%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	Bottom 12.2% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#102 of 643 • Bottom 15.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.86%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Capital Constraint

risk

#30 of 108 • Bottom 26.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 94.86%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 12.22%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

302

Total Loans

size

Value: $496.15M

Peer Median: $255.72M

#302 of 2664 Top 11.3% in $100M-$1B

344

Total Assets

size

Value: $696.42M

Peer Median: $386.08M

#344 of 2664 Top 12.9% in $100M-$1B

489

Total Deposits

size

Value: $523.05M

Peer Median: $327.97M

#489 of 2664 Top 18.3% in $100M-$1B

Top Weaknesses (7 metrics)

2621

Nonperforming Asset Ratio

credit_quality

Value: 3.89%

Peer Median: 0.64%

#2621 of 2664 Bottom 1.7% in $100M-$1B

2611

Delinquency Rate

credit_quality

Value: 5.46%

Peer Median: 0.89%

#2611 of 2654 Bottom 1.7% in $100M-$1B

2584

Net Interest Margin

profitability

Value: 2.49%

Peer Median: 3.93%

#2584 of 2664 Bottom 3.0% in $100M-$1B

2572

Return on Assets

profitability

Value: 0.00%

Peer Median: 1.27%

#2572 of 2664 Bottom 3.5% in $100M-$1B

2558

Efficiency Ratio

profitability

Value: 94.91%

Peer Median: 65.29%

#2558 of 2664 Bottom 4.0% in $100M-$1B

2340

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2340 of 2664 Bottom 12.2% in $100M-$1B

2252

Loan-to-Deposit Ratio

liquidity

Value: 94.86%

Peer Median: 76.64%

#2252 of 2664 Bottom 15.5% in $100M-$1B