Side-by-side · Q2 2026 data
First National Bank of Scotia vs Modern Bank, National Association
Metric by metric
| Measure | First National Bank of Scotia | Modern Bank, National Association |
|---|---|---|
| TellerScore | 55 (stronger) | 30 |
| Capital cushion | 42 | 46 (stronger) |
| Loan quality | 50 (stronger) | 0 |
| Earnings | 49 (stronger) | 25 |
| Funding & liquidity | 78 (stronger) | 55 |
| Problem-loan coverage | 79 (stronger) | 27 |
| Peer percentile | 11th | 1st |
| Total assets | $719.0M | $648.5M |
| Deposits / shares | $632.0M | $480.4M |
| Capital ratio | 9.22% | 9.56% (stronger) |
| Problem loans | 1.50% (stronger) | 5.60% |
| Net charge-offs | 0.14% | 0.00% (stronger) |
| Return on assets | 0.74% (stronger) | 0.13% |
| Loans ÷ deposits | 80.9% (stronger) | 99.8% |
| Uninsured deposits | 16.4% (stronger) | 19.6% |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.8% | — |
First National Bank of Scotia has the higher TellerScore (55 vs 30). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Scotia leads on 5 and Modern Bank, National Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.