Medallion Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 4.32 percentage points higher than in Q1 2026, at 934.98%. Medallion Bank ranks 14th of 44 Utah banks on return on assets, in the upper half at 2.38% (Q2 2026). Medallion Bank's return on assets of 2.38% is well above the 1.27% median for banks in the $1B-10B asset tier, a gap of 1.11 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.12% |
| Tier 1 risk-based capital ratio | 16.80% |
| Total risk-based capital ratio | 18.08% |
| Tier 1 leverage ratio | 16.92% |
| Equity capital to assets | 15.88% |
| Tangible equity to tangible assets | 15.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.45% |
| Non-performing assets ratio | 0.42% |
| Net charge-off ratio | 2.55% |
| Texas ratio | 2.14% |
| Allowance for credit losses to loans | 4.21% |
| Reserve coverage of non-performing loans | 934.98% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.38% |
| Return on equity | 14.31% |
| Net interest margin | 8.52% |
| Efficiency ratio | 27.47% |
| Yield on earning assets | 11.77% |
| Cost of funds | 4.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 116.00% |
| Core deposits to total deposits | 2.60% |
| Brokered deposits to total deposits | 97.19% |
| Deposits to assets | 81.12% |
| Securities to assets | 2.53% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.10% | 16.28% | 17.56% | 16.08% | 3.14% |
| Q4 2023 | 13.63% | 16.82% | 18.10% | 16.24% | 3.94% |
| Q1 2024 | 13.72% | 16.88% | 18.16% | 16.43% | 2.59% |
| Q2 2024 | 13.16% | 16.11% | 17.39% | 16.14% | 2.59% |
| Q3 2024 | 12.97% | 15.81% | 17.09% | 15.66% | 2.54% |
| Q4 2024 | 13.26% | 16.10% | 17.38% | 15.68% | 2.50% |
| Q1 2025 | 13.60% | 16.44% | 17.73% | 15.96% | 2.52% |
| Q2 2025 | 13.75% | 19.53% | 20.82% | 19.30% | 2.79% |
| Q3 2025 | 13.96% | 17.98% | 19.27% | 17.50% | 3.13% |
| Q4 2025 | 14.40% | 18.42% | 19.71% | 17.80% | 3.04% |
| Q1 2026 | 13.74% | 17.67% | 18.96% | 17.38% | 2.02% |
| Q2 2026 | 13.12% | 16.80% | 18.08% | 16.92% | 2.38% |
Medallion Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Medallion Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)