Hazelwood, MO · Cert 57884 · Paramount Financial Group Inc.
State charter, non-member · FDIC · 1 branch
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 in the St. Louis, MO-IL area (n=38 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
71
Asset Quality
38
Profitability
10
Liquidity
1
Efficiency
2
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.
Hazelwood, MO · Cert 57884 · Paramount Financial Group Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #83 of 111 inst. · $0.1B of $141.7B
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 | -10.28% | -8.98% | -4.19% | -2.91% | -2.99% | 1.35% | -0.91% | -3.93% | -101 bps | |
| Return on Equity | -97.15% | -88.53% | -51.98% | -36.91% | -35.24% | 14.11% | -6.75% | -30.44% | +648 bps | |
| Net Interest Margin | 1.90% | 2.07% | 2.35% | 2.41% | 2.48% | 2.45% | 3.11% | 3.13% | +72 bps | |
| Efficiency Ratio | 148.37% | 153.26% | 160.12% | 134.00% | 134.70% | 90.09% | 108.21% | 148.35% | +1,435 bps | |
| Non-Interest Burden | 6.19% | 7.02% | 6.63% | 5.46% | 5.70% | 1.13% | 3.79% | 6.23% | +77 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.32% | -9.54% | -13.03% | -19.49% | -6.70% | -2.40% | 9.87% | 6.75% | +2,624 bps | |
| Loan Growth (YoY) | 16.47% | -6.44% | -10.33% | -24.59% | -23.07% | -3.67% | 4.53% | 14.66% | +3,925 bps | |
| Deposit Growth (YoY) | 12.10% | -3.90% | 6.59% | -3.74% | -9.52% | -11.34% | 3.80% | 1.31% | +505 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.09% | 0.33% | 0.67% | 0.99% | 0.55% | +46 bps | |
| Net Charge-Offs / Loans | 0.19% | 0.16% | 0.13% | 0.07% | 0.05% | 0.03% | 0.00% | 0.46% | +38 bps | |
| Allowance / Loans | 1.04% | 0.89% | 0.88% | 0.87% | 0.91% | 0.89% | 0.95% | 0.84% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 9.7x | 2.7x | 1.3x | 1.0x | 1.5x | -8.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.13% | 7.21% | 7.10% | 6.66% | 10.17% | 13.13% | 12.76% | 10.88% | +422 bps | |
| Total Risk-Based Capital | 12.03% | 10.24% | 10.14% | 10.62% | 15.72% | 19.15% | 17.91% | 16.78% | +616 bps | |
| Equity / Assets | 8.23% | 8.19% | 7.94% | 7.53% | 10.16% | 14.10% | 13.00% | 11.64% | +411 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.95% | 94.40% | 95.47% | 87.66% | 81.58% | 102.57% | 96.14% | 99.21% | +1,155 bps | |
| Liquid Assets / Assets | 6.82% | 7.60% | 6.12% | 12.73% | 21.93% | 10.36% | 13.15% | 10.10% | -264 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 153.36% | 114.77% | 108.78% | n/a | n/a | |
Hazelwood, MO · Cert 57884 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Paramount Financial Group Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
-3.92%
Rank 40 of 40
Net Interest Margin
3.13%
Rank 28 of 40
Efficiency Ratio
148.35%
Rank 40 of 40
Equity / Assets
11.64%
Rank 13 of 40
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -3.92% | 0.64% | 1.04% | 1.26% | Beats 0% | 40 / 40 | ||
| Return on Equity | -33.65% | 6.25% | 9.97% | 13.41% | Beats 0% | 40 / 40 | ||
| Net Interest Margin | 3.13% | 3.09% | 3.22% | 3.62% | Beats 30% | 28 / 40 | ||
| Efficiency Ratio | 148.35% | 57.08% | 64.37% | 75.86% | Beats 2% | 40 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.55% | 0.14% | 0.62% | 1.92% | Beats 63% | 15 / 38 | ||
| Net Charge-Offs / Loans | 0.23% | 0.00% | 0.01% | 0.09% | Beats 13% | 34 / 38 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.71% | 10.29% | 12.88% | 15.77% | Beats 73% | 11 / 40 | ||
| Total Risk-Based Capital Ratio | 16.78% | 10.64% | 13.30% | 17.01% | Beats 73% | 11 / 40 | ||
| Equity / Assets | 11.64% | 8.59% | 9.46% | 12.46% | Beats 68% | 13 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 99.21% | 66.12% | 79.48% | 94.60% | 88th pctl | 5 / 40 | ||
| Loans / Assets | 85.62% | 54.69% | 68.52% | 77.46% | 93rd pctl | 3 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||