Side-by-side · Q2 2026 data
Modern Bank, National Association vs Spring Bank
Metric by metric
| Measure | Modern Bank, National Association | Spring Bank |
|---|---|---|
| TellerScore | 30 | 85 (stronger) |
| Capital cushion | 46 | 96 (stronger) |
| Loan quality | 0 | 80 (stronger) |
| Earnings | 25 | 88 (stronger) |
| Funding & liquidity | 55 | 61 (stronger) |
| Problem-loan coverage | 27 | 94 (stronger) |
| Peer percentile | 1st | 88th |
| Total assets | $648.5M | $641.0M |
| Deposits / shares | $480.4M | $549.1M |
| Capital ratio | 9.56% | 14.59% (stronger) |
| Problem loans | 5.60% | 0.60% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.07% |
| Return on assets | 0.13% | 1.71% (stronger) |
| Loans ÷ deposits | 99.8% | 82.1% (stronger) |
| Uninsured deposits | 19.6% (stronger) | 30.8% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spring Bank has the higher TellerScore (85 vs 30). On the 7 directional measures above (where higher or lower is clearly better), Modern Bank, National Association leads on 2 and Spring Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.