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Medallion Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2025-Q3QoQ -1

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

Quarterly Headline

2025-Q3

Bank #3228908 2025-Q3 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 99.0% of deposits (threshold 30%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 112.7% (threshold 100%).
  3. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.23% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -3
44
Sub-score

Liquidity is deteriorating: brokered 99.0%, loans/deposits 112.7%, cash 2.8% of assets.

Cash / Assets
2.85%
Loans / Deposits
112.70%
Brokered %
98.95%

Watch Items

  • riskBrokered deposits above 30% — Brokered 99.0% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 112.7% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.85% of assets (threshold 3%).

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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.98%, CET1 13.96%, leverage 17.52%.

Tier 1 RBC
17.98%
CET1
13.96%
Leverage
17.52%
No watch items at this period.

Asset Quality

StableQoQ -1
66
Sub-score

Asset quality is stable: Adjusted NPL 0.48%, Texas Ratio 2.0%, NCO YTD 2.23%.

Adjusted NPL
0.48%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
2.23%
30-89 PD
3.14%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.23% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 4.10% of loans, coverage 898.1%, true coverage 898.1%.

ALLL / Loans
4.10%
Coverage
898.1%
True Loss Coverage
898.1%
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