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
Unfavorable gap of $23.5M · efficiency ratio beats 41% 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% | 1.00% | 1.45% | Beats 42% | 362 / 620 | | |
| Return on Equity | 10.54% | 5.30% | 9.30% | 13.29% | Beats 58% | 261 / 620 | | |
| Net Interest Margin | 3.77% | 3.02% | 3.53% | 4.04% | Beats 62% | 235 / 620 | | |
| Efficiency Ratio | 71.63% | 58.35% | 68.08% | 79.37% | Beats 41% | 368 / 620 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.18% | 0.09% | 0.47% | 1.27% | Beats 67% | 192 / 573 | | |
| Net Charge-Offs / Loans | 0.09% | n/a | 0.01% | 0.06% | Beats 19% | 467 / 573 | | |
| Capital |
| Tier 1 Capital Ratio | 11.27% | 11.27% | 13.87% | 18.78% | Beats 25% | 465 / 620 | | |
| Total Risk-Based Capital Ratio | 12.38% | 11.69% | 14.57% | 19.67% | Beats 32% | 420 / 620 | | |
| Equity / Assets | 8.46% | 9.03% | 10.60% | 13.73% | Beats 17% | 516 / 620 | | |
| Liquidity & Funding |
| Loans / Deposits | 107.09% | 65.08% | 79.69% | 92.47% | 93rd pctl | 41 / 585 | | |
| Loans / Assets | 90.26% | 51.85% | 67.17% | 77.86% | 99th pctl | 8 / 620 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |