FDIC Cert #57449 · Salt Lake City, Utah · Est. 2003

Medallion Bank - FDIC Bank Health Profile

A community-scale look at Medallion Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$2.6B
Total assets
A
Health grade · Excellent
2.81%
Return on assets
14.4%
Tier 1 capital

Data updated July 2026

The verdict

Medallion Bank earns a PlainBankData health grade of A (95/100), with well-capitalized at 14.40% Tier 1, profitable at 2.81% ROA, efficient (24% cost ratio).

#485
largest of 4,313 FDIC banks by assets
89th
percentile by asset size, nationally
14.40%
Tier 1 ratio - above the 10% well-capitalized line
97th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 57449 · UT A · 95/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (95/100)
  • TOP-DECILE #333/4307
  • PHOTO-FINISH Town & Country Bank · NV
  • TIER1-WELL 14.4% Tier 1
  • TEXAS-CLEAN 2.7% Texas
  • ROA-STRONG 2.81% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Utah: Town & Country Bank, NV (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Medallion Bank

Lowest and highest poles plus nearest scored peers outside Utah, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Cedar Rapids Bank an… · IA ·…95/100Medallion Bank · UT · this b…95/100Schaumburg Bank & Tr… · IL ·…95/100Town & Country Bank · NV · n…95/100West Coast Community… · CA ·…95/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Medallion Bank · July 2026

What Medallion Bank's Call Report plate shows

Medallion Bank (FDIC Cert #57449) carries a PlainBankData health grade of A at 95/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #333 of 4,307. Tier 1 capital prints at 14.40%, clearing the 10% well-capitalized line. The Texas Ratio is 2.69%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.81%. Balance-sheet scale is $2.6B, 485th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Town & Country Bank (NV), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Medallion Bank

8 FAILURE resolutions in Utah since 2000 (7 since 2008)

Medallion Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Medallion Bank remains an active FDIC-insured reporter.

  • PROFICIO BANK COTTONWOOD HEIGHTS, UT 2017 → CACHE VALLEY BANK
  • SUNFIRST BANK SAINT GEORGE, UT 2011 → CACHE VALLEY BANK
  • CENTENNIAL BANK OGDEN, UT 2010

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Utah banks.

How Medallion Bank's 95/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10095/100
Medallion Bank's composite health score
Tier 1 Capital Ratio (14.40%) 35/40
Return on Assets (ROA) (2.81%) 25/25
Texas Ratio (2.69%) 20/20
Efficiency Ratio (23.58%) 15/15

95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$2.6B

Total balance-sheet footings

Total Deposits

$2.1B

Customer-funded liabilities

Net Loans

$2.3B

Outstanding loan book

Net Income

$72M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13% 14.4% 15.8%
Basel III capital ratios - Medallion Bank

Where Medallion Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Medallion Bank's score of 95/100 falls in the highlighted band.

Medallion Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

95 Top 8% higher than 92% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Medallion Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Medallion Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Medallion Bank's $2.6B falls in the highlighted band.

Safety ratios for Medallion Bank

Tier 1 capital ratio
Well-capitalized 10%

14.40% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.40%
Texas Ratio
2.69%
Equity Capital
$450M

What these ratios mean →

Earnings posture at Medallion Bank

Return on Assets (ROA)
97th percentile nationally
2.81%
Return on Equity (ROE)
16.89%
Efficiency Ratio
23.58%

What these mean →

Income & expense at Medallion Bank

$298M
Interest Income
$19M
Non-Interest Income
$56M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Medallion Bank reports a Texas Ratio of 2.69% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.69% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Medallion Bank on FDIC BankFind →

Top banks in Utah by total assets

Largest banks headquartered in Utah
  1. 1
    Morgan Stanley Bank $253.3B

    Salt Lake City, UT · Grade A

  2. 2
    American Express National Bank $211.3B

    Sandy, UT · Grade A

  3. 3
    Ally Bank $184.6B

    Sandy, UT · Grade A

  4. 4
    UBS Bank USA $119.3B

    Salt Lake City, UT · Grade A

  5. 5
    Synchrony Bank $112.1B

    Draper, UT · Grade A

Top 5 banks in Utah ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.6B here), outside Utah so the neighborhood is not state containment.

Lead Bank $2.6B · MO Interaudi Bank $2.6B · NY KS StateBank $2.6B · KS Tradition Capital Bank $2.6B · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Medallion Bank (FDIC Cert #57449) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Medallion Bank Call Report profile · FDIC Failed Bank List · Utah FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Utah

All Utah banks →
BankAssetsGradeROA
Morgan Stanley Bank, National AssociationSalt Lake City $253.3B A 1.86%
American Express National BankSandy $211.3B A 3.89%
Ally BankSandy $184.6B A 0.91%
UBS Bank USASalt Lake City $119.3B A 1.13%
Synchrony BankDraper $112.1B A 2.89%
Zions Bancorporation, N.A.Salt Lake City $89.0B B 1.01%
SoFi Bank, National AssociationCottonwood Heights $46.6B A 1.96%
Sallie Mae BankSalt Lake City $29.7B A 2.90%