{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-019106","form_type":"8-K","ticker":"MFIN","cik":"0001000209","company_name":"MEDALLION FINANCIAL CORP","filed_at":"2023-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:43.378868+00:00","generated_at":"2026-06-20T06:19:26.482163+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Medallion Bank reports record Q4 net income of $19.7M; loan portfolio grows 28.8% to $1.8B","bullets":["Q4 net income $19.7M vs $19.0M prior year; full-year record net income $74.6M vs $70.0M in 2021.","Net interest income Q4 $44.4M (NIM 9.2%) vs $37.3M (9.9%); full-year $164.6M (9.4%) vs $136.8M (10.0%).","Provision for loan losses Q4 $8.4M vs $1.6M; full-year $24.7M vs $3.7M; annualized net charge-offs Q4 1.7% vs 0.3%.","Recreation loans up 22.6% to $1.2B; home improvement loans up 43.4% to $626.4M as of Dec 31, 2022.","Adopted CECL on Jan 1, 2023; $11.6M increase in allowance; declared $0.50 Series F preferred dividend payable April 3."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-019106","json":"https://secwatch.observer/filing/0001193125-23-019106.json","markdown":"https://secwatch.observer/filing/0001193125-23-019106.md","text":"https://secwatch.observer/filing/0001193125-23-019106.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1000209/000119312523019106/0001193125-23-019106-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1000209/000119312523019106/d455061d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T06:19:26.482163+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}