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Paragon Bank

Memphis, TN · Cert 57874 · Paragon Finl Solutions Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=573 to 620). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

25

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

41

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Paragon Bank

Memphis, TN · Cert 57874 · Paragon Finl Solutions Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$908.1MAssets
$819.6MLoans
$765.3MDeposits
$76.9MEquity
Loan mix
78%RE $623.8M21%C&I $167.7M2%Consumer $12.1MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $621.8M19%Noninterest $143.5MQ2 2025Q2 2026

NIM

6.23%Q2 ’246.28%Q2 ’256.00%Q2 ’26+8%+0%

Non-interest income vs. expense

3.16%Q2 ’242.97%Q2 ’253.00%Q2 ’26-9%+3%

Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 1.3% share · #14 of 48 inst. · $0.6B of $46.3B

1.7% Shelby
0.4% New Hanover
2.1% Lafayette
0.0% Fulton

Executive Summary

  • Earnings: ROA of 0.90%, down 4 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.18% of loans (-11 bps YoY), with net charge-offs at 0.18%.
  • Capital: tier 1 leverage ratio of 8.67%, up 18 bps from a year ago.
  • Funding: loans stand at 107.09% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.90%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.77%+1 bps YoY

Efficiency Ratio (YTD, annualized)

71.63%+144 bps YoY

Tier 1 Leverage Ratio

8.67%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%0.95%0.95%0.91%0.90%-4 bps
Return on Equity12.02%11.74%11.62%10.79%10.68%-134 bps
Net Interest Margin3.76%3.84%3.87%3.76%3.77%+1 bps
Efficiency Ratio70.19%70.34%70.35%71.33%71.63%+144 bps
Non-Interest Burden2.50%2.57%2.60%2.56%2.58%+8 bps
Growth
Asset Growth (YoY)11.68%2.55%1.65%2.17%4.95%-673 bps
Loan Growth (YoY)9.74%1.00%2.27%1.91%9.03%-71 bps
Deposit Growth (YoY)16.97%6.58%-2.12%0.95%-1.76%-1,873 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.29%0.26%0.44%0.18%-11 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.00%0.18%+17 bps
Allowance / Loans1.10%1.10%1.04%1.04%0.93%-17 bps
Allowance Coverage of NPLs3.7x3.8x3.9x2.4x5.1x+1.3x
Capital
Tier 1 Leverage Ratio8.49%8.88%8.97%8.66%8.67%+18 bps
Total Risk-Based Capital12.24%12.49%12.51%12.37%12.38%+14 bps
Equity / Assets8.20%8.70%8.43%8.50%8.46%+26 bps
Liquidity & Funding
Loans / Deposits96.49%99.23%106.66%102.85%107.09%+1,060 bps
Liquid Assets / Assets2.62%2.15%0.69%0.61%0.54%-208 bps
CRE / Total Capitaln/a456%455%477%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Paragon Bank

Memphis, TN · Cert 57874 · Peer group: banks under $1B in assets (n=573-620) · Paragon Finl Solutions Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$908.1MAssets
$819.6MLoans
$765.3MDeposits
$76.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 67% of banks under $1B in assets (rank 192 of 573).
  • Widest gap: equity / assets trails 83% of banks under $1B in assets (rank 516 of 620).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.89%

Rank 362 of 620

Net Interest Margin

3.77%

Rank 235 of 620

Efficiency Ratio

71.63%

Rank 368 of 620

Equity / Assets

8.46%

Rank 516 of 620

Non-interest income vs. expense

$3.8M$27.3MINCOMEEXPENSE
Unfavorable gap of $23.5M · efficiency ratio beats 41% of banks under $1B in assets
Bank 71.63%Peer median 68.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.89%0.60%1.00%1.45%Beats 42%362 / 620
Return on Equity10.54%5.30%9.30%13.29%Beats 58%261 / 620
Net Interest Margin3.77%3.02%3.53%4.04%Beats 62%235 / 620
Efficiency Ratio71.63%58.35%68.08%79.37%Beats 41%368 / 620
Asset Quality
Nonperforming Loans / Loans0.18%0.09%0.47%1.27%Beats 67%192 / 573
Net Charge-Offs / Loans0.09%n/a0.01%0.06%Beats 19%467 / 573
Capital
Tier 1 Capital Ratio11.27%11.27%13.87%18.78%Beats 25%465 / 620
Total Risk-Based Capital Ratio12.38%11.69%14.57%19.67%Beats 32%420 / 620
Equity / Assets8.46%9.03%10.60%13.73%Beats 17%516 / 620
Liquidity & Funding
Loans / Deposits107.09%65.08%79.69%92.47%93rd pctl41 / 585
Loans / Assets90.26%51.85%67.17%77.86%99th pctl8 / 620
Brokered Deposits / Depositsn/aNot reported for this institution