Medallion Bank
Salt Lake City, UT · Cert 57449 · Peer group: banks $1B-$10B in assets (n=322-328)
State charter, non-member · FDIC · 1 branch
Q2 2026
$2.8BAssets
$2.7BLoans
$2.3BDeposits
$450.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 98% of banks $1B-$10B in assets (rank 6 of 328).
- Widest gap: net charge-offs / loans trails 98% of banks $1B-$10B in assets (rank 315 of 322).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.05%
Rank 19 of 328
Net Interest Margin
8.40%
Rank 6 of 328
Efficiency Ratio
27.69%
Rank 7 of 328
Equity / Assets
15.88%
Rank 15 of 328
Non-interest income vs. expense
Unfavorable gap of $56.4M · efficiency ratio beats 98% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.05% | 0.91% | 1.22% | 1.52% | Beats 94% | 19 / 328 | |
| Return on Equity | 12.88% | 8.43% | 11.45% | 14.43% | Beats 63% | 123 / 328 | |
| Net Interest Margin | 8.40% | 3.03% | 3.45% | 3.83% | Beats 98% | 6 / 328 | |
| Efficiency Ratio | 27.69% | 51.61% | 59.56% | 67.53% | Beats 98% | 7 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.24% | 0.51% | 1.03% | Beats 57% | 139 / 322 | |
| Net Charge-Offs / Loans | 1.86% | 0.01% | 0.03% | 0.10% | Beats 2% | 315 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 16.80% | 11.75% | 13.15% | 15.47% | Beats 84% | 53 / 328 | |
| Total Risk-Based Capital Ratio | 18.08% | 12.63% | 14.15% | 16.46% | Beats 84% | 51 / 328 | |
| Equity / Assets | 15.88% | 9.15% | 10.33% | 12.01% | Beats 95% | 15 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 116.00% | 76.63% | 87.92% | 95.36% | 97th pctl | 11 / 323 | |
| Loans / Assets | 94.09% | 65.18% | 74.15% | 79.98% | 99th pctl | 4 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |