Medallion Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Other borrowed money: 25.0% higher than in Q1 2026, at $50.0M. Medallion Bank ranks 5th of 44 Utah banks on loan-to-deposit ratio, in the upper half at 116.00% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Medallion Bank sits 27.80 points higher, at 116.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $128.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $200.4M |
| Fed funds sold and reverse repos | $3.8M |
| Fed funds sold and reverse repos to assets | 0.13% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $50.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.76% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 116.00% |
| Net loans and leases to deposits | 111.11% |
| Loans and leases to core deposits | 116.24% |
| Core deposits to total deposits | 2.60% |
| Brokered deposits to total deposits | 97.19% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 113.04% | 1.70% | $10.0M | $0 |
| Q4 2023 | 112.26% | 1.51% | $0 | $0 |
| Q1 2024 | 112.62% | 1.38% | $20.0M | $0 |
| Q2 2024 | 113.09% | 1.43% | $0 | $25.0M |
| Q3 2024 | 112.39% | 2.21% | $0 | $35.0M |
| Q4 2024 | 113.51% | 0.93% | $0 | $35.0M |
| Q1 2025 | 116.83% | 0.98% | $0 | $65.0M |
| Q2 2025 | 117.26% | 1.04% | $0 | $40.0M |
| Q3 2025 | 117.52% | 1.05% | $35.0M | $0 |
| Q4 2025 | 116.90% | 1.29% | $0 | $50.0M |
| Q1 2026 | 117.03% | 1.28% | $0 | $40.0M |
| Q2 2026 | 116.00% | 2.60% | $0 | $50.0M |
Medallion Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Medallion Bank, freeSource: Call Report Schedules RC and RC-M, 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)