---
title: Modern Bank, National Association
url: https://lender.report/lender/modern-bank-ny/
as_of: 2026-06-30
data_version: 2026-11-12.1
license: https://lender.report/license/
is_paid: false
label: Unverified listing
listing_state: unverified
status: operating
ids: {fdic: 22398, rssd: 2398701, ncua: null, lei: 54930024MS92J3NNTL30}
---

# Modern Bank, National Association

> Unverified listing. Built from public records. The lender has not reviewed the page. Every lender starts this way, and it says nothing about the lender itself. Claiming is free.

**Cite this:** Source: The Lender Report, Modern Bank, National Association, https://lender.report/lender/modern-bank-ny/, data as of June 30, 2026.

Bank, New York, NY. Regulator: Office of the Comptroller of the Currency. Identifiers: FDIC certificate 22398; RSSD 2398701; LEI 54930024MS92J3NNTL30.

## Facts, each with its source and date

- Reported $648.5M in total assets as of June 30, 2026 (FDIC call report).
- Held $395M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $216.3M of commercial and industrial loans as of June 30, 2026 (FDIC call report).
- Held $115.8M of multifamily loans as of June 30, 2026, up 2.3% from a year earlier (FDIC call report).
- Held $55M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 44.6% from a year earlier (FDIC call report).
- Estimated legal lending limit of about $10.8M (estimate, 15% of tier 1 capital plus allowance, June 30, 2026 FDIC call report).
- Listed 2 offices in 2 states (FDIC).
- Held 13 commercial and industrial loans that were $1 million or less when made, with a balance of $2.7M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 1 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $967K as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Named as the lender on 22 mortgages recorded in New York City from 2023-10 to 2026-09, totaling $24M (NYC Department of Finance, ACRIS).

## What it holds (June 30, 2026)

Balances held as filed. Not loans made.

| Book | Holds | Of its loans | Year over year |
| --- | --- | --- | --- |
| Multifamily | $116M | 23.8% | +2.3% |
| Construction and land development | $0 | 0% | not reported |
| Owner-occupied CRE | $7.93M | 1.63% | not reported |
| Non-owner-occupied CRE | $55.0M | 11.3% | +44.6% |
| Farmland | $0 | 0% | not reported |
| Commercial and industrial | $216M | 44.45% | -12.0% |

## Where it lends

2 offices in 2 states (October 28, 2026).

## Not a rating

Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.

| Measure | Value | How it is worked out |
| --- | --- | --- |
| Estimated largest single loan | $10.8M | Estimate from reported capital, not a limit the lender has stated. |
| Loans to assets | 75.03% | Total loans divided by total assets |
| Loans to deposits | 101.3% | Total loans divided by total deposits |

## What we do not know

- Whether this lender is taking new loans today.
- Its underwriting limits and fees, unless it has told us.
- Whether it takes brokers, beyond what the public record shows.
- A balance is what a lender holds as filed. It is not a loan made.

## How to reach them

- Website: https://www.modernbank.com (from the regulator record or the lender's own site)
- Phone: (212) 323-1100
- Regulator record: https://banks.data.fdic.gov/bankfind-suite/bankfind/details/22398

## For the record

Data as of June 30, 2026. Data release 2026-11-12.1. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them.

We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.

The Lender Report is not affiliated with, endorsed by or acting for the FDIC, NCUA, FFIEC, CFPB, SBA, HUD or any government agency. Certificate and charter numbers identify institutions only.

The Lender Report is operated by JPro Labs LLC. The Lender Report is not a bank or a lender. It does not make loans or credit decisions. Listings are built from public records.

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