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Medallion Bank
Salt Lake City, UT·FDIC Cert #57449·Charter: STATE·Est. 20031222.0
Total Assets
$2.6B
Q4 2025
Return on Assets
2.81%
+0.06%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
23.58%
Peer avg: 58.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
2.81%+0.06
ROE
16.89%+0.20
Efficiency
23.58%-0.89
Equity/Assets
0.00%+0.00
NPL Ratio
0.64%+0.16
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
111.85%-0.85
Charge-offs
2.81%+0.17
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.6 | 2.7 | 2.8 |
| ROE | 16.3 | 16.4 | 16.5 | 16.5 | 16.2 | 15.8 | 16.7 | 16.9 |
| Efficiency | 24.3 | 24.3 | 23.9 | 24.1 | 24.8 | 24.9 | 24.5 | 23.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.5 | 0.5 | 0.5 | 0.4 | 0.4 | 0.5 | 0.6 |
| Charge-offs | 3.3 | 2.8 | 2.6 | 2.8 | 3.2 | 2.9 | 2.6 | 2.8 |
| Loan/Deposit | 108.4 | 108.9 | 108.1 | 109.1 | 112.3 | 112.5 | 112.7 | 111.8 |
Balance Sheet
Total Assets$2.6B
Total Deposits$2.1B
Total Loans$2.3B
Total Equity$450.2M
Profitability
ROA2.81%
ROE16.89%
Efficiency Ratio23.58%
Net Income$72.2M
Risk & Asset Quality
NPL Ratio0.64%
Charge-off Rate2.81%
Loan/Deposit111.85%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans