Side-by-side · Q2 2026 data
Modern Bank, National Association vs Geddes Federal Savings and Loan Association
Metric by metric
| Measure | Modern Bank, National Association | Geddes Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 30 | 74 (stronger) |
| Capital cushion | 46 | 97 (stronger) |
| Loan quality | 0 | 85 (stronger) |
| Earnings | 25 | 33 (stronger) |
| Funding & liquidity | 55 (stronger) | 50 |
| Problem-loan coverage | 27 | 95 (stronger) |
| Peer percentile | 1st | 57th |
| Total assets | $648.5M | $685.7M |
| Deposits / shares | $480.4M | $512.0M |
| Capital ratio | 9.56% | 14.70% (stronger) |
| Problem loans | 5.60% | 0.44% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.13% | 0.32% (stronger) |
| Loans ÷ deposits | 99.8% (stronger) | 113.2% |
| Uninsured deposits | 19.6% | 12.6% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.1% |
Geddes Federal Savings and Loan Association has the higher TellerScore (74 vs 30). On the 6 directional measures above (where higher or lower is clearly better), Modern Bank, National Association leads on 1 and Geddes Federal Savings and Loan Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.