BlastPoint's Banking Scorecard

Medallion Bank

$1B-$10B Specialty: Consumer UT FDIC cert 57449

Salt Lake City, UT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in UT.
Deposits +14.1% year over year ($2.3B on the books).
Delinquency rate 0.47%.
Return on assets 2.15%.
Efficiency ratio 27.69% vs a 59.73% peer average.
Loan-to-deposit ratio 111.11% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in UT

View $1B-$10B leaderboard (UT) →

Medallion Bank has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Return on Assets 0.75% above tier average
+ Net Interest Margin 4.71% above tier average
+ Efficiency Ratio 32.04% below tier average
+ Delinquency Rate 0.40% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 19.8% in tier
- Margin Compression: Bottom 70.6% in tier
- Non-Interest-Bearing Deposit Share 21.27% below tier average

Get updates when Medallion Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$2.8B +10.0% YoY +6.9% QoQ	+$41.4M	$2.8B -0.6% YoY	$31.1B +21.2% YoY	$6.3B +7.7% YoY	67%
Total Loans ?	$2.6B +12.7% YoY +6.9% QoQ	+$591.7M	$2.0B -0.3% YoY	$18.5B +10.6% YoY	$3.2B +9.4% YoY	77%
Total Deposits ?	$2.3B +14.1% YoY +7.8% QoQ	-$19.5M	$2.3B -0.5% YoY	$23.9B +15.2% YoY	$4.9B +7.3% YoY	66%
Return on Assets ?	2.15% -16.8% YoY +8.7% QoQ	+0.75%	1.39% +17.0% YoY	2.15% +9.7% YoY	1.30% +12.1% YoY	Top 7.8% in tier
Net Interest Margin ?	8.58% -0.5% YoY +0.7% QoQ	+4.71%	3.87% +6.2% YoY	7.81% +8.6% YoY	3.95% +4.9% YoY	Top 0.9% in tier
Efficiency Ratio ?	27.69% +11.2% YoY -0.9% QoQ	-32.04%	59.73% -12.6% YoY	105.46% +37.7% YoY	70.05% +2.5% YoY	Top 1.5% in tier
Delinquency Rate ?	0.47% +15.5% YoY -2.2% QoQ	-0.40%	0.87% +11.7% YoY	1.38% +2.5% YoY	0.98% +16.3% YoY	54%
Loan-to-Deposit Ratio ?	111.11% -1.3% YoY -0.8% QoQ	+26.08%	85.04% -0.1% YoY	83.52% +2.9% YoY	79.03% +2.3% YoY	Bottom 4.3% in tier
Non-Interest-Bearing Deposit Share ?	0.00%	-21.27%	21.27% -1.5% YoY	17.78% -2.6% YoY	21.98% -0.6% YoY	Bottom 0.5% in tier
Nonperforming Asset Ratio ?	0.42% +18.4% YoY -2.3% QoQ	-0.25%	0.67% +11.7% YoY	0.92% +4.0% YoY	0.69% +15.8% YoY	50%
Tier 1 Capital Ratio ?	16.80% -14.0% YoY -4.9% QoQ	+1.96%	14.84% -0.4% YoY	21.39% +2.0% YoY	17.09% +0.8% YoY	85%
Non-Interest Income / Assets ?	0.15% -16.9% YoY +245.1% QoQ	-0.38%	0.53% +2.5% YoY	2.21% +5.7% YoY	0.66% +5.2% YoY	18%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Noninterest-Bearing	n/a	n/a	21.4%	20.1%	22.2%	n/a
Brokered Deposits	97.2% -1.8pp YoY -1.5pp QoQ	+87.7pp	9.5%	28.6%	8.5%	100%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
C&I	n/a	n/a	14.0%	25.0%	12.5%	n/a
CRE	n/a	n/a	50.0%	44.1%	41.4%	n/a
1-4 Family	n/a	n/a	26.4%	13.8%	31.3%	n/a
Consumer	104.4% +0.2pp YoY -0.1pp QoQ	+99.7pp	4.7%	45.8%	5.0%	100%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
CET1 Ratio	13.1% -0.6pp YoY -0.6pp QoQ	-2.5pp	15.6%	25.0%	19.7%	43%
Leverage Ratio	16.9% -2.4pp YoY -0.5pp QoQ	+5.6pp	11.3%	15.7%	12.6%	96%
Total Capital Ratio	18.1% -2.7pp YoY -0.9pp QoQ	+1.4pp	16.7%	26.3%	20.8%	82%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Full-Time Employees	156 +15 (+10.6%) YoY +4 (+2.6%) QoQ	-158	313	1,029	482	24%
Assets per Employee ($)	$18.2M -0.6% YoY +4.2% QoQ	+$7.7M	$10.5M	$39.6M	$8.8M	94%
Branch Count	1 0 YoY 0 QoQ	-19	20	13	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.6%	0.4%	n/a
Nonaccrual	0.5% +0.1pp YoY 0.0pp QoQ	-0.4pp	0.8%	1.2%	1.0%	46%
Allowance Coverage	9.35x -9.6% YoY +0.5% QoQ	-9.36x	18.71x	7.86x	20.23x	88%
Net Charge-off Rate (YTD)	2.9% 0.0pp YoY -0.4pp QoQ	+2.6pp	0.3%	3.6%	0.2%	98%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
ROE	12.9% -2.9pp YoY +1.3pp QoQ	+0.4pp	12.6%	15.9%	11.6%	56%
Cost of Funds (YTD)	3.3% +0.1pp YoY 0.0pp QoQ	+1.4pp	1.9%	2.3%	1.7%	98%
Net Income ($, YTD)	$29.0M -12.0% YoY — QoQ	+$9.7M	$19.2M	$307.8M	$40.4M	81%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk

#35 of 172 • Bottom 19.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.80%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 111.11%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Margin Compression

decline

#61 of 85 • Bottom 70.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 2.15%

(Tier: 1.39%, National: 1.30%)

better than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

Net Interest Margin

profitability

Value: 8.58%

Peer Median: 3.87%

#9 of 885 Top 0.9% in $1B-$10B

Efficiency Ratio

profitability

Value: 27.69%

Peer Median: 59.73%

#14 of 885 Top 1.5% in $1B-$10B

Return on Assets

profitability

Value: 2.15%

Peer Median: 1.39%

#70 of 885 Top 7.8% in $1B-$10B

137

Tier 1 Capital Ratio

capital

Value: 16.80%

Peer Median: 14.84%

#137 of 885 Top 15.4% in $1B-$10B

203

Total Loans

size

Value: $2.55B

Peer Median: $1.96B

#203 of 885 Top 22.8% in $1B-$10B

Top Weaknesses (3 metrics)

882

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 21.27%

#882 of 885 Bottom 0.5% in $1B-$10B

848

Loan-to-Deposit Ratio

liquidity

Value: 111.11%

Peer Median: 85.04%

#848 of 885 Bottom 4.3% in $1B-$10B

724

Non-Interest Income / Assets

revenue_mix

Value: 0.15%

Peer Median: 0.53%

#724 of 885 Bottom 18.3% in $1B-$10B