Paramount Bank
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
$86.6MAssets
$74.1MLoans
$74.7MDeposits
$10.1MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 73% of banks under $1B in assets in the St. Louis, MO-IL area (rank 11 of 40).
- Widest gap: return on equity trails 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 40 of 40).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $5.4M · efficiency ratio beats 2% of banks under $1B in assets in the St. Louis, MO-IL area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |