Better Health for All

Medallion Bank's core business involves recreation and home improvement lending, and deposit products.

The provided articles focus on the bank's Community Reinvestment Act (CRA) compliance, detailing efforts to support low-to-moderate-income (LMI) individuals and communities through financial literacy programs, affordable housing loans, and investments. While these activities may indirectly contribute to community well-being, the articles do not provide specific, quantifiable evidence directly linking the bank's operations or programs to health outcomes, health product accessibility, health education, or any other metric relevant to the 'Better Health for All' value's quantitative thresholds. Therefore, no KPIs can be scored based on the evidence provided.

Fair Trade & Ethical Sourcing

Medallion Bank is a financial institution that provides lending and deposit services. Its operations do not involve the procurement or trading of physical commodities, nor does it have a supply chain that would typically require fair-trade certifications, audits for child/forced labor, or traceability of raw materials.

Therefore, several KPIs under the 'Fair Trade & Ethical Sourcing' value are not applicable to the company's business model. The provided articles, including the 2024 Form 10-K filing and various website content, do not contain any specific data or information regarding fair trade, ethical sourcing, or related supply chain metrics.

Honest & Fair Business

Medallion Bank's parent company, Medallion Financial Corp, was accused by the SEC of engaging in schemes to fraudulently inflate its stock price and overstate the fair value of Medallion Bank by at least $110 million at the end of 2016 and $85 million at the end of 2017.

This led to the company's reported total assets and total shareholders' equity being overstated by more than $140 million at year-end 2016 and over $115 million at year-end 2017. This constitutes one restatement per year for two years within the past five years. Medallion Bank has a Code of Ethical Conduct and Insider Trading Policy, last updated October 23, 2025, which includes a section protecting whistleblowers who report violations to governmental bodies and agencies and mentions a confidential employee hotline. However, there is no evidence of independent investigation processes or effectiveness metrics. The policy also includes an Acceptance of Gifts and Entertainment Policy that aims to prevent bribery and conflicts of interest, referencing 18 U.S.C. § 215, and sets limits on accepted gifts ($75) and entertainment ($500). This policy is FCPA-compliant but lacks details on training frequency or effectiveness metrics. The policy states that sanctions for a director's violation of the Insider Trading Policy are determined by a majority vote of its Independent Directors, and any waiver of the Conflicts of Interest Policy for a director or executive officer must be approved by the Board or its Audit Committee. However, the percentage of board members free from material conflicts of interest is not explicitly stated, only that audit committee chairs are external.

Kind to Animals

Medallion Bank is a financial institution, and the provided articles do not contain specific, measurable data points relevant to the 'Kind to Animals' KPIs. These KPIs primarily focus on product-based companies, animal agriculture, or direct animal testing. While Article 1 mentions Medallion Bank supports organizations like SPCA International and The Peninsula Humane Society & SPCA,

it does not provide any quantitative data on the impact of these contributions, such as percentage of revenue or measurable outcomes for species or habitats. Articles 2, 3, and 4 discuss animal welfare in the context of banking, specifically regarding lending to agribusiness and general bank policies, but they do not provide any specific information or data about Medallion Bank's own practices or policies related to animal welfare or its lending activities in this area.

Planet-Friendly Business

The provided article for Medallion Bank (MBNKO.US) does not contain any data relevant to Planet-Friendly Business.

Specifically, it states that no quantitative data, regulatory actions, certifications, comparisons, contradictions, or data gaps related to environmental, social, or governance (ESG) factors are present. Therefore, no KPIs can be scored based on the available evidence.

Respect for Cultures & Communities

The provided articles for Medallion Bank do not contain specific, quantifiable data points for any of the KPIs related to 'Respect for Cultures & Communities'. While some articles mention general community reinvestment activities and an 'Outstanding' CRA rating from the FDIC.

They do not provide percentages of revenue reinvested, numbers of partnerships, incident counts, protocol existence, employment ratios, or other specific metrics required by the rubric. Therefore, all KPIs must be omitted due to a lack of explicit evidence.

Safe & Smart Tech

Medallion Bank is compliant with various banking regulations, including FDIC, Basel III, and prompt corrective action.

The company's cybersecurity program, which applies to the Bank, includes employee testing and training, vulnerability scanning, and security testing. The program is guided by the NIST Cybersecurity Framework and other industry standards, and the Audit Committee receives quarterly reports on cybersecurity matters.