Paragon Bank
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
$908.1MAssets
$819.6MLoans
$765.3MDeposits
$76.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 66% of banks under $1B in assets (rank 199 of 581).
- Widest gap: equity / assets trails 84% of banks under $1B in assets (rank 527 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $23.5M · efficiency ratio beats 40% of banks under $1B in assets | 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 |