BlastPoint's Banking Scorecard

Medallion Bank

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

Salt Lake City, UT

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

Medallion Bank has 4 strengths but faces 5 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

+ Net Interest Margin 4.71% above tier average
+ Efficiency Ratio 33.12% below tier average
+ ROA 0.61% above tier average
+ Delinquency Rate 0.41% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 16.1% in tier
- Credit Risk Growth: Bottom 18.6% in tier
- Margin Compression: Bottom 48.8% in tier
- Non-Interest-Bearing Deposit Share 21.29% below tier average
- Non-Interest Income / Assets 0.22% below tier average

Get updates when Medallion Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$2.7B +4.6% YoY +1.2% QoQ	-$164.7M	$2.8B -0.1% YoY	$31.5B +16.1% YoY	$6.2B +9.1% YoY	64%
Total Loans ?	$2.4B +5.0% YoY +2.3% QoQ	+$425.4M	$2.0B +0.6% YoY	$18.8B +6.7% YoY	$3.2B +10.8% YoY	75%
Total Deposits ?	$2.1B +5.2% YoY +2.1% QoQ	-$209.5M	$2.3B -0.3% YoY	$24.2B +10.6% YoY	$4.8B +8.2% YoY	62%
Return on Assets ?	1.97% -19.7% YoY -29.6% QoQ	+0.61%	1.37% +19.6% YoY	2.19% +3.7% YoY	1.23% +13.4% YoY	Top 11.0% in tier
Net Interest Margin ?	8.52% +0.2% YoY -2.7% QoQ	+4.71%	3.82% +6.9% YoY	7.79% +9.7% YoY	3.89% +5.7% YoY	Top 1.0% in tier
Efficiency Ratio ?	27.94% +12.5% YoY +18.5% QoQ	-33.12%	61.06% -4.6% YoY	105.45% +9.4% YoY	66.95% -4.1% YoY	Top 1.4% in tier
Delinquency Rate ?	0.48% +18.7% YoY -24.9% QoQ	-0.41%	0.89% +14.1% YoY	1.46% +7.1% YoY	0.95% +18.8% YoY	54%
Loan-to-Deposit Ratio ?	112.02% -0.3% YoY +0.2% QoQ	+27.81%	84.20% +0.3% YoY	84.36% +3.4% YoY	76.70% +0.9% YoY	Bottom 4.0% in tier
Non-Interest-Bearing Deposit Share ?	0.00%	-21.29%	21.29% -2.5% YoY	17.87% +4.4% YoY	22.01% -1.2% YoY	Bottom 0.5% in tier
Nonperforming Asset Ratio ?	0.43% +19.1% YoY -24.1% QoQ	-0.24%	0.67% +15.6% YoY	1.01% +17.9% YoY	0.67% +19.3% YoY	49%
Tier 1 Capital Ratio ?	17.67% +7.5% YoY -4.1% QoQ	+2.51%	15.16% +2.0% YoY	22.97% +16.9% YoY	17.06% +0.8% YoY	Top 12.8% in tier
Non-Interest Income / Assets ?	0.04% -30.4% YoY -94.1% QoQ	-0.22%	0.26% +1.6% YoY	1.04% +5.8% YoY	0.32% +4.1% YoY	Bottom 7.5% in tier

Get Full Access to Medallion Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (3)

Liquidity Overhang

risk

#29 of 174 • Bottom 16.1% 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: 17.67%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 112.02%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ

Credit Risk Growth

risk

#79 of 420 • Bottom 18.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

Margin Compression

decline

#42 of 84 • Bottom 48.8% 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: 1.97%

(Tier: 1.37%, National: 1.23%)

better than tier avg

84 of 84 Mid-Market banks match · 407 nationally

↑ Growing +94 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (5 metrics)

Net Interest Margin

profitability

Value: 8.52%

Peer Median: 3.82%

#10 of 884 Top 1.0% in $1B-$10B

Efficiency Ratio

profitability

Value: 27.94%

Peer Median: 61.06%

#13 of 884 Top 1.4% in $1B-$10B

Return on Assets

profitability

Value: 1.97%

Peer Median: 1.37%

#98 of 884 Top 11.0% in $1B-$10B

114

Tier 1 Capital Ratio

capital

Value: 17.67%

Peer Median: 15.16%

#114 of 884 Top 12.8% in $1B-$10B

222

Total Loans

size

Value: $2.39B

Peer Median: $1.96B

#222 of 884 Top 25.0% in $1B-$10B

Top Weaknesses (3 metrics)

881

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 21.29%

#881 of 884 Bottom 0.5% in $1B-$10B

850

Loan-to-Deposit Ratio

liquidity

Value: 112.02%

Peer Median: 84.20%

#850 of 884 Bottom 4.0% in $1B-$10B

819

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.26%

#819 of 884 Bottom 7.5% in $1B-$10B