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Medallion Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q4QoQ +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-Q4

Bank #3228908 2025-Q4 Vital Signs Score: 81/100 — 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 98.7% of deposits (threshold 30%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.30% of loans.
  3. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 111.8% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ +6
50
Sub-score

Liquidity is deteriorating: brokered 98.7%, loans/deposits 111.8%, cash 5.5% of assets.

Cash / Assets
5.49%
Loans / Deposits
111.85%
Brokered %
98.71%

Watch Items

  • riskBrokered deposits above 30% — Brokered 98.7% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 111.8% (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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.42%, CET1 14.40%, leverage 17.81%.

Tier 1 RBC
18.42%
CET1
14.40%
Leverage
17.81%
No watch items at this period.

Asset Quality

StableQoQ -1
65
Sub-score

Asset quality is stable: Adjusted NPL 0.64%, Texas Ratio 2.7%, NCO YTD 3.30%.

Adjusted NPL
0.64%
Govt-guarantees stripped
Texas Ratio
2.7%
NCO YTD
3.30%
30-89 PD
3.82%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 3.30% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 4.32% of loans, coverage 704.7%, true coverage 704.7%.

ALLL / Loans
4.32%
Coverage
704.7%
True Loss Coverage
704.7%
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