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Medallion Bank Balance Sheet 2025-2011 | MBNKP
Brief overview of Medallion Bank's balance sheet structure
The balance sheet is assessed across five available annual reports spanning 2021 to 2025.
The asset base grew from $1.9 billion to $3 billion, or +57.8%. Average annual growth of roughly 12.1% was strong.
The growth rates were balanced: assets changed +57.8%, while liabilities changed +61.3%.
A liability-heavy structure is normal for a financial institution; equity represents 13.8% of assets, from 19% initially.
Retained earnings reached $162.4 million, changing +430.5% over the period. A positive accumulated result supports equity.
Balance sheet takeaway
Medallion Bank's financial position is more positive than negative: the funding mix is workable, although the cushion is not unlimited.
Annual Balance Sheet Medallion Bank
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
81.9 M | 136 M | 185 M | 183 M | 158 M | - | - | - | - | - | - | - | - | - | - |
Long Term Debt |
216 M | 232 M | 236 M | 214 M | 220 M | - | - | - | - | - | - | - | - | - | - |
Long Term Debt Current |
2.2 M | 2.29 M | 2.47 M | 2.24 M | 2.16 M | 2 M | 2.08 M | - | - | - | - | - | - | - | - |
Total Liabilities |
2.45 B | 2.43 B | 2.18 B | 1.89 B | 1.52 B | - | - | - | - | - | - | - | - | - | - |
Retained Earnings |
162 M | 130 M | 104 M | 66.7 M | 30.6 M | - | - | - | - | - | - | - | - | - | - |
Total Assets |
2.96 B | 2.87 B | 2.59 B | 2.26 B | 1.87 B | 1.64 B | - | - | - | - | - | - | - | - | - |
Cash and Cash Equivalents |
136 M | 98.2 M | 52.6 M | 33.2 M | 64.5 M | 54.7 M | 17.7 M | - | - | - | - | - | - | - | - |
Book Value |
508 M | 439 M | 412 M | 371 M | 356 M | 1.64 B | - | - | - | - | - | - | - | - | - |
Total Shareholders Equity |
409 M | 370 M | 343 M | 302 M | 356 M | 305 M | 263 M | 290 M | 287 M | 286 M | 278 M | - | - | - | - |
All numbers in USD currency
Quarterly Balance Sheet Medallion Bank
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Long Term Debt |
288 M | 214 M | 216 M | 216 M | 200 M | 200 M | 232 M | 232 M | 231 M | 226 M | 236 M | 218 M | 178 M | - | 214 M | 219 M | 219 M | 220 M | 220 M | 214 M | 215 M | 182 M | 154 M | 154 M | 154 M | 154 M | 175 M | 175 M | 175 M | 175 M | 159 M | 159 M | 159 M | 159 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Liabilities |
2.69 B | 2.44 B | 2.45 B | 2.4 B | 2.35 B | 2.4 B | 2.43 B | 2.45 B | 2.34 B | 2.2 B | 2.18 B | 2.16 B | 2.13 B | - | 1.89 B | 1.84 B | 1.75 B | 1.6 B | 1.52 B | 1.47 B | 1.42 B | 1.38 B | 1.34 B | 1.34 B | 1.34 B | 1.34 B | 1.21 B | 1.21 B | 1.21 B | 1.21 B | 1.09 B | 1.09 B | 1.09 B | 1.09 B | 913 M | 913 M | 913 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Retained Earnings |
169 M | 164 M | 162 M | 153 M | 148 M | 140 M | 130 M | 123 M | 116 M | 112 M | 104 M | 91.9 M | 82.5 M | - | 66.7 M | 55.4 M | 49.7 M | 38.4 M | 30.6 M | 11.1 M | -4.8 M | -15.1 M | -23.5 M | -23.5 M | -23.5 M | -23.5 M | 11.3 M | 11.3 M | 11.3 M | 11.3 M | 13 M | 13 M | 13 M | 13 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Assets |
3.19 B | 2.95 B | 2.96 B | 2.9 B | 2.88 B | 2.85 B | 2.87 B | 2.88 B | 2.76 B | 2.62 B | 2.59 B | 2.56 B | 2.52 B | 2.35 B | 2.26 B | 2.2 B | 2.11 B | 1.97 B | 1.87 B | 1.81 B | 1.74 B | 1.69 B | 1.64 B | 1.64 B | 1.64 B | 1.64 B | 1.54 B | 1.54 B | 1.54 B | 1.54 B | 1.38 B | 1.38 B | 1.38 B | 1.38 B | 1.08 B | 1.08 B | 1.08 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash and Cash Equivalents |
173 M | 93.9 M | 136 M | 72.5 M | 110 M | 132 M | 98.2 M | 121 M | 87.7 M | 54.8 M | 52.6 M | 37.5 M | 82.3 M | - | 33.2 M | 24.8 M | 33.8 M | 57 M | 64.5 M | 30.7 M | 31.4 M | 69.5 M | 54.7 M | 54.7 M | 54.7 M | 54.7 M | 17.7 M | 17.7 M | 17.7 M | 53.5 M | 57.7 M | 144 M | 23.8 M | 23.8 M | 42.5 M | 42.5 M | 110 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Book Value |
505 M | 508 M | 508 M | 497 M | 533 M | 449 M | 439 M | 431 M | 423 M | 418 M | 412 M | 397 M | 388 M | - | 371 M | 360 M | 363 M | 362 M | 356 M | 339 M | 323 M | 312 M | 305 M | 305 M | 305 M | 305 M | 334 M | 334 M | 334 M | 334 M | 290 M | 290 M | 290 M | 290 M | 164 M | 164 M | 164 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Shareholders Equity |
406 M | 408 M | 409 M | 397 M | 390 M | 449 M | 370 M | 431 M | 423 M | 418 M | 343 M | 397 M | 388 M | 375 M | 302 M | 360 M | 363 M | 362 M | 287 M | 339 M | 323 M | 312 M | 305 M | 231 M | 231 M | 231 M | 263 M | 263 M | 263 M | 263 M | 263 M | 263 M | 263 M | 263 M | 164 M | 164 M | 164 M | - | 286 M | - | - | - | 278 M | - | - | - | 275 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Balance Sheet is a fundamental financial report of Medallion Bank, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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