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Medallion Bank

IDRSSD: 3228908
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q3QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #3228908 2024-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (risk).

Liquidity:Risk
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Strong

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 97.8% of deposits (threshold 30%).
  2. risk
    Uninsured deposits above 50%
    Liquidity — Uninsured 97.8% of deposits (threshold 50%).
  3. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 108.1% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -2
  • Reserves
    — —

The five pillars

Liquidity

RiskQoQ +2
31
Sub-score

Liquidity is weak: brokered 97.8%, loans/deposits 108.1%, cash 5.6% of assets.

Cash / Assets
5.57%
Loans / Deposits
108.09%
Brokered %
97.79%

Watch Items

  • riskBrokered deposits above 30% — Brokered 97.8% of deposits (threshold 30%).
  • riskUninsured deposits above 50% — Uninsured 97.8% of deposits (threshold 50%).
  • watchLoans / Deposits above 100% — Loans/Deposits 108.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ 0
100
Sub-score

Capital position is strong: Tier 1 RBC 15.81%, CET1 12.97%, leverage 15.69%.

Tier 1 RBC
15.81%
CET1
12.97%
Leverage
15.69%
No watch items at this period.

Asset Quality

StableQoQ -2
67
Sub-score

Asset quality is stable: Adjusted NPL 0.55%, Texas Ratio 2.7%, NCO YTD 2.34%.

Adjusted NPL
0.55%
Govt-guarantees stripped
Texas Ratio
2.7%
NCO YTD
2.34%
30-89 PD
2.86%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.34% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 3.82% of loans, coverage 722.9%, true coverage 722.9%.

ALLL / Loans
3.82%
Coverage
722.9%
True Loss Coverage
722.9%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 03:42:51 UTC