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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

$2.9M$8.4MINCOMEEXPENSE
Unfavorable gap of $5.4M · efficiency ratio beats 2% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 148.35%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer 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 Margin3.13%3.09%3.22%3.62%Beats 30%28 / 40
Efficiency Ratio148.35%57.08%64.37%75.86%Beats 2%40 / 40
Asset Quality
Nonperforming Loans / Loans0.55%0.14%0.62%1.92%Beats 63%15 / 38
Net Charge-Offs / Loans0.23%0.00%0.01%0.09%Beats 13%34 / 38
Capital
Tier 1 Capital Ratio15.71%10.29%12.88%15.77%Beats 73%11 / 40
Total Risk-Based Capital Ratio16.78%10.64%13.30%17.01%Beats 73%11 / 40
Equity / Assets11.64%8.59%9.46%12.46%Beats 68%13 / 40
Liquidity & Funding
Loans / Deposits99.21%66.12%79.48%94.60%88th pctl5 / 40
Loans / Assets85.62%54.69%68.52%77.46%93rd pctl3 / 40
Brokered Deposits / Depositsn/aNot reported for this institution