Medallion Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Equity capital to total assets: 0.85 percentage points lower than in Q1 2026, at 15.88%. Medallion Bank ranks 19th of 28 Utah banks on CET1 ratio, in the lower half at 13.12% (Q2 2026). At 13.12%, Medallion Bank's CET1 ratio is close to the 13.49% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.12% |
| Tier 1 risk-based capital ratio | 16.80% |
| Total risk-based capital ratio | 18.08% |
| Tier 1 leverage ratio | 16.92% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $354.3M |
| Tier 1 capital | $453.7M |
| Total risk-based capital | $488.4M |
| Total equity capital | $450.0M |
| Risk-weighted assets | $2.70B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.88% |
| Tangible equity to tangible assets | 15.88% |
| Equity capital to average assets | 16.78% |
| Internal capital growth rate | 6.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $77.5M |
| Retained earnings | $275.8M |
| Preferred stock and surplus | $99.4M |
| Accumulated other comprehensive income | -$3.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.10% | 16.28% | 17.56% | 16.08% | $2.16B |
| Q4 2023 | 13.63% | 16.82% | 18.10% | 16.24% | $2.16B |
| Q1 2024 | 13.72% | 16.88% | 18.16% | 16.43% | $2.18B |
| Q2 2024 | 13.16% | 16.11% | 17.39% | 16.14% | $2.33B |
| Q3 2024 | 12.97% | 15.81% | 17.09% | 15.66% | $2.42B |
| Q4 2024 | 13.26% | 16.10% | 17.38% | 15.68% | $2.43B |
| Q1 2025 | 13.60% | 16.44% | 17.73% | 15.96% | $2.41B |
| Q2 2025 | 13.75% | 19.53% | 20.82% | 19.30% | $2.46B |
| Q3 2025 | 13.96% | 17.98% | 19.27% | 17.50% | $2.47B |
| Q4 2025 | 14.40% | 18.42% | 19.71% | 17.80% | $2.47B |
| Q1 2026 | 13.74% | 17.67% | 18.96% | 17.38% | $2.53B |
| Q2 2026 | 13.12% | 16.80% | 18.08% | 16.92% | $2.70B |
Medallion Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Medallion Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Medallion Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57449) · FFIEC NIC profile (RSSD 3228908)