BlastPoint's Banking Scorecard
Medallion Bank
Community
Specialty: Consumer
UT
FDIC cert 57449
Salt Lake City, UT
1484
banks in Community tier nationally
18 in UT
View Community leaderboard (UT) →
Medallion Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 14% in Community
- + Net Interest Margin 5.10% above tier
- + Efficiency Ratio 39.05% below tier
- + Loan-to-Deposit Ratio 28.79% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 6% in Community
- - Liquidity Overhang: Bottom 10% in Community
- - Non-Interest-Bearing Deposit Share 21.05% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+2.6% YoY
+1.6% QoQ
|
+$1.2B |
$1.4B
+2.0% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$2.3B
+2.2% YoY
+0.6% QoQ
|
+$1.4B |
$975.5M
+2.4% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$2.1B
-0.3% YoY
+1.4% QoQ
|
+$924.9M |
$1.2B
+1.7% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
2.81%
+12.5% YoY
+2.1% QoQ
|
+1.64% |
1.16%
+17.2% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
8.76%
+0.8% YoY
+0.3% QoQ
|
+5.10% |
3.66%
+9.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
23.58%
-2.0% YoY
-3.6% QoQ
|
-39.05% |
62.63%
-5.3% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.64%
+20.2% YoY
+34.6% QoQ
|
+0.01% |
0.63%
+18.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
111.85%
+2.5% YoY
-0.8% QoQ
|
+28.79% |
83.06%
+0.3% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -21.05% |
21.05%
-0.9% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 1% in tier |
| Nonperforming Asset Ratio ? |
0.57%
+19.8% YoY
+33.3% QoQ
|
+0.07% |
0.50%
+20.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
18.42%
+14.5% YoY
+2.5% QoQ
|
+8.18% |
10.24%
-0.6% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.71%
+575.2% YoY
+164.1% QoQ
|
-0.03% |
0.74%
-1.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#52 of 371 · Top 14% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.81%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Top 1%
in Community
Why this stands out
Current:
8.76%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
23.58%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 3%
in Community
Why this stands out
Current:
111.85%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (3)
Credit Risk Growth
risk
#40 of 642 · Bottom 6% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Liquidity Overhang
risk
#27 of 268 · Bottom 10% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
18.42%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
111.85%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Non-Interest-Bearing Deposit Share
metric
Bottom 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Net Interest Margin
Current: 8.76% · Tier avg: 3.66%
99
99th pctile
Efficiency Ratio
Current: 23.58% · Tier avg: 62.63%
98
98th pctile
Return on Assets
Current: 2.81% · Tier avg: 1.16%
97
97th pctile
Loan-to-Deposit Ratio
Current: 111.85% · Tier avg: 83.06%
93
93th pctile
Total Loans
Current: $2.3B · Tier avg: $975.5M
90
90th pctile
Tier 1 Capital Ratio
Current: 18.42% · Tier avg: 10.24%
87
87th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
71
71th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.74%
39
39th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.63%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.50%
0
0th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 21.05%
Top Weaknesses
0
0th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 21.05%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.50%
39
39th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.63%
71
71th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.74%
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
87
87th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
90
90th pctile
Tier 1 Capital Ratio
Current: 18.42% · Tier avg: 10.24%
93
93th pctile
Total Loans
Current: $2.3B · Tier avg: $975.5M
97
97th pctile
Loan-to-Deposit Ratio
Current: 111.85% · Tier avg: 83.06%
98
98th pctile
Return on Assets
Current: 2.81% · Tier avg: 1.16%
99
99th pctile
Efficiency Ratio
Current: 23.58% · Tier avg: 62.63%
100
100th pctile
Net Interest Margin
Current: 8.76% · Tier avg: 3.66%