Side-by-side · Q2 2026 data
Modern Bank, National Association vs Carver Federal Savings Bank
Metric by metric
| Measure | Modern Bank, National Association | Carver Federal Savings Bank |
|---|---|---|
| TellerScore | 30 (stronger) | 23 |
| Capital cushion | 46 (stronger) | 37 |
| Loan quality | 0 | 0 |
| Earnings | 25 (stronger) | 0 |
| Funding & liquidity | 55 | 59 (stronger) |
| Problem-loan coverage | 27 | 28 (stronger) |
| Peer percentile | 1st | 0th |
| Total assets | $648.5M | $658.1M |
| Deposits / shares | $480.4M | $580.6M |
| Capital ratio | 9.56% (stronger) | 8.73% |
| Problem loans | 5.60% | 3.46% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.21% |
| Return on assets | 0.13% (stronger) | -0.72% |
| Loans ÷ deposits | 99.8% | 94.0% (stronger) |
| Uninsured deposits | 19.6% (stronger) | 21.5% |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Modern Bank, National Association has the higher TellerScore (30 vs 23). On the 7 directional measures above (where higher or lower is clearly better), Modern Bank, National Association leads on 5 and Carver Federal Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.