Memphis, TN · Cert 57874 · Paragon Finl Solutions Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
24
Asset Quality
43
Profitability
53
Liquidity
0
Efficiency
40
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.
Memphis, TN · Cert 57874 · Paragon Finl Solutions Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 1.3% share · #14 of 48 inst. · $0.6B of $46.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.64% | 0.96% | 0.95% | 0.95% | 0.95% | 0.91% | 0.90% | -4 bps | |
| Return on Equity | 7.31% | 8.23% | 12.43% | 12.02% | 11.74% | 11.62% | 10.79% | 10.68% | -134 bps | |
| Net Interest Margin | 3.41% | 3.31% | 3.65% | 3.76% | 3.84% | 3.87% | 3.76% | 3.77% | +1 bps | |
| Efficiency Ratio | 79.97% | 78.59% | 69.54% | 70.19% | 70.34% | 70.35% | 71.33% | 71.63% | +144 bps | |
| Non-Interest Burden | 2.64% | 2.52% | 2.38% | 2.50% | 2.57% | 2.60% | 2.56% | 2.58% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.52% | 16.24% | 12.64% | 11.68% | 2.55% | 1.65% | 2.17% | 4.95% | -673 bps | |
| Loan Growth (YoY) | 18.48% | 19.12% | 17.12% | 9.74% | 1.00% | 2.27% | 1.91% | 9.03% | -71 bps | |
| Deposit Growth (YoY) | 11.97% | 14.96% | 10.09% | 16.97% | 6.58% | -2.12% | 0.95% | -1.76% | -1,873 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.39% | 0.31% | 0.27% | 0.29% | 0.29% | 0.26% | 0.44% | 0.18% | -11 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.18% | +17 bps | |
| Allowance / Loans | 1.11% | 1.05% | 1.05% | 1.10% | 1.10% | 1.04% | 1.04% | 0.93% | -17 bps | |
| Allowance Coverage of NPLs | 2.9x | 3.4x | 3.9x | 3.7x | 3.8x | 3.9x | 2.4x | 5.1x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.44% | 8.25% | 8.18% | 8.49% | 8.88% | 8.97% | 8.66% | 8.67% | +18 bps | |
| Total Risk-Based Capital | 11.83% | 11.86% | 12.27% | 12.24% | 12.49% | 12.51% | 12.37% | 12.38% | +14 bps | |
| Equity / Assets | 7.76% | 7.55% | 7.85% | 8.20% | 8.70% | 8.43% | 8.50% | 8.46% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.71% | 102.08% | 101.88% | 96.49% | 99.23% | 106.66% | 102.85% | 107.09% | +1,060 bps | |
| Liquid Assets / Assets | 0.15% | 1.44% | 0.84% | 2.62% | 2.15% | 0.69% | 0.61% | 0.54% | -208 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 456% | 455% | 477% | n/a | n/a | |
Memphis, TN · Cert 57874 · Peer group: banks under $1B in assets (n=581-629) · Paragon Finl Solutions Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
0.89%
Rank 373 of 629
Net Interest Margin
3.77%
Rank 245 of 629
Efficiency Ratio
71.63%
Rank 376 of 629
Equity / Assets
8.46%
Rank 527 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.89% | 0.60% | 1.01% | 1.45% | Beats 41% | 373 / 629 | ||
| Return on Equity | 10.54% | 5.38% | 9.30% | 13.28% | Beats 57% | 271 / 629 | ||
| Net Interest Margin | 3.77% | 3.03% | 3.54% | 4.05% | Beats 61% | 245 / 629 | ||
| Efficiency Ratio | 71.63% | 58.35% | 67.79% | 79.08% | Beats 40% | 376 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.18% | 0.09% | 0.46% | 1.20% | Beats 66% | 199 / 581 | ||
| Net Charge-Offs / Loans | 0.09% | n/a | 0.01% | 0.06% | Beats 20% | 467 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.27% | 11.24% | 13.84% | 18.77% | Beats 25% | 470 / 629 | ||
| Total Risk-Based Capital Ratio | 12.38% | 11.58% | 14.43% | 19.66% | Beats 32% | 426 / 629 | ||
| Equity / Assets | 8.46% | 9.09% | 10.65% | 13.80% | Beats 16% | 527 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 107.09% | 67.24% | 80.90% | 93.48% | 93rd pctl | 42 / 594 | ||
| Loans / Assets | 90.26% | 53.31% | 67.71% | 78.15% | 99th pctl | 7 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||