Side-by-side · Q2 2026 data
Modern Bank, National Association vs Empire State Bank
Metric by metric
| Measure | Modern Bank, National Association | Empire State Bank |
|---|---|---|
| TellerScore | 30 | 59 (stronger) |
| Capital cushion | 46 | 51 (stronger) |
| Loan quality | 0 | 70 (stronger) |
| Earnings | 25 | 52 (stronger) |
| Funding & liquidity | 55 (stronger) | 50 |
| Problem-loan coverage | 27 | 86 (stronger) |
| Peer percentile | 1st | 17th |
| Total assets | $648.5M | $617.8M |
| Deposits / shares | $480.4M | $511.6M |
| Capital ratio | 9.56% | 10.13% (stronger) |
| Problem loans | 5.60% | 0.91% (stronger) |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 0.13% | 0.80% (stronger) |
| Loans ÷ deposits | 99.8% (stronger) | 102.9% |
| Uninsured deposits | 19.6% (stronger) | 21.4% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Empire State Bank has the higher TellerScore (59 vs 30). On the 7 directional measures above (where higher or lower is clearly better), Modern Bank, National Association leads on 2 and Empire State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.