BlastPoint's Banking Scorecard

Modern Bank, National Association

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

New York, NY

2 branches across NJ · NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
Deposits -10.0% year over year ($480.4M on the books).
Delinquency rate 5.69%.
Return on assets 0.13%.
Efficiency ratio 101.60% vs a 64.48% peer average.
Loan-to-deposit ratio 99.79% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY

View $100M-$1B leaderboard (NY) →

Modern Bank, National Association faces 8 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

- Deposit Outflow: Bottom 23.0% in tier
- Liquidity Strain: Bottom 43.0% in tier
- Capital Constraint: Bottom 47.7% in tier
- Return on Assets 1.19% below tier average
- Net Interest Margin 1.36% below tier average
- Efficiency Ratio 37.12% above tier average
- Delinquency Rate 4.77% above tier average
- Nonperforming Asset Ratio 3.54% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$648.5M -8.8% YoY -6.9% QoQ	+$262.0M	$386.6M +1.2% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	84%
Total Loans ?	$479.4M +3.8% YoY -3.4% QoQ	+$221.0M	$258.3M +1.7% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	Top 13.4% in tier
Total Deposits ?	$480.4M -10.0% YoY -8.2% QoQ	+$153.6M	$326.7M +0.7% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	78%
Return on Assets ?	0.13% +111.9% YoY	-1.19%	1.32% +10.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	Bottom 4.6% in tier
Net Interest Margin ?	2.62% +14.3% YoY +5.4% QoQ	-1.36%	3.99% +5.0% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	Bottom 3.7% in tier
Efficiency Ratio ?	101.60% -0.9% YoY +7.0% QoQ	+37.12%	64.48% -3.2% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	Bottom 2.2% in tier
Delinquency Rate ?	5.69% -20.7% YoY +4.2% QoQ	+4.77%	0.92% +15.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	Bottom 1.9% in tier
Loan-to-Deposit Ratio ?	99.79% +15.3% YoY +5.2% QoQ	+21.84%	77.95% +1.0% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	Bottom 10.4% in tier
Non-Interest-Bearing Deposit Share ?	16.77% +2.6% YoY -2.7% QoQ	-5.26%	22.03% -0.6% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	32%
Nonperforming Asset Ratio ?	4.20% -9.9% YoY +8.1% QoQ	+3.54%	0.67% +16.4% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	Bottom 1.5% in tier
Tier 1 Capital Ratio ?	12.96% -20.3% YoY +6.1% QoQ	-2.95%	15.91% +1.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	47%
Non-Interest Income / Assets ?	0.06% +11.8% YoY +69.9% QoQ	-0.50%	0.57% +7.6% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	Bottom 8.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Noninterest-Bearing	16.8% +0.4pp YoY -0.5pp QoQ	-5.4pp	22.1%	22.1%	22.2%	31%
Brokered Deposits	26.6% -7.4pp YoY -3.5pp QoQ	+18.7pp	7.9%	8.0%	8.5%	95%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	45.1% -8.1pp YoY -3.5pp QoQ	+33.6pp	11.6%	11.0%	12.5%	99%
CRE	n/a	n/a	39.5%	46.2%	41.4%	n/a
1-4 Family	13.6% +0.2pp YoY +0.4pp QoQ	-19.0pp	32.6%	36.6%	31.3%	17%
Consumer	n/a	n/a	4.1%	5.1%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	13.0% -3.3pp YoY +0.7pp QoQ	-5.9pp	18.8%	26.1%	19.7%	28%
Leverage Ratio	9.6% -1.6pp YoY -0.1pp QoQ	-2.6pp	12.2%	13.9%	12.6%	23%
Total Capital Ratio	14.2% -3.3pp YoY +0.7pp QoQ	-5.7pp	19.9%	27.2%	20.8%	29%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	42 -1 (-2.3%) YoY -1 (-2.3%) QoQ	-17	58	914	482	44%
Assets per Employee ($)	$15.4M -6.6% YoY -4.7% QoQ	+$7.9M	$7.5M	$14.8M	$8.8M	98%
Branch Count	2 0 YoY 0 QoQ	-3	4	27	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	5.7% -1.5pp YoY +0.2pp QoQ	+4.8pp	0.9%	1.3%	1.0%	98%
Allowance Coverage	0.27x +26.5% YoY -11.5% QoQ	-23.89x	24.15x	1.92x	20.23x	2%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	1.3% +11.2pp YoY +1.3pp QoQ	-10.9pp	12.2%	7.9%	11.6%	5%
Cost of Funds (YTD)	3.0% -0.4pp YoY +0.1pp QoQ	+1.3pp	1.7%	1.8%	1.7%	98%
Net Income ($, YTD)	$451,000 +110.7% YoY — QoQ	-$2.1M	$2.6M	$111.2M	$40.4M	10%

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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 (3)

Deposit Outflow

decline

#124 of 535 • Bottom 23.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#298 of 691 • Bottom 43.0% 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: 99.79%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Capital Constraint

risk

#52 of 107 • Bottom 47.7% 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: 99.79%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 12.96%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

107 of 107 Community banks match · 143 nationally

→ Stable -5 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

356

Total Loans

size

Value: $479.36M

Peer Median: $258.35M

#356 of 2643 Top 13.4% in $100M-$1B

421

Total Assets

size

Value: $648.55M

Peer Median: $386.57M

#421 of 2643 Top 15.9% in $100M-$1B

585

Total Deposits

size

Value: $480.36M

Peer Median: $326.73M

#585 of 2643 Top 22.1% in $100M-$1B

Top Weaknesses (7 metrics)

2604

Nonperforming Asset Ratio

credit_quality

Value: 4.20%

Peer Median: 0.67%

#2604 of 2643 Bottom 1.5% in $100M-$1B

2584

Delinquency Rate

credit_quality

Value: 5.69%

Peer Median: 0.92%

#2584 of 2633 Bottom 1.9% in $100M-$1B

2587

Efficiency Ratio

profitability

Value: 101.60%

Peer Median: 64.48%

#2587 of 2643 Bottom 2.2% in $100M-$1B

2545

Net Interest Margin

profitability

Value: 2.62%

Peer Median: 3.99%

#2545 of 2643 Bottom 3.7% in $100M-$1B

2523

Return on Assets

profitability

Value: 0.13%

Peer Median: 1.32%

#2523 of 2643 Bottom 4.6% in $100M-$1B

2421

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.57%

#2421 of 2643 Bottom 8.4% in $100M-$1B

2368

Loan-to-Deposit Ratio

liquidity

Value: 99.79%

Peer Median: 77.95%

#2368 of 2643 Bottom 10.4% in $100M-$1B