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Paramount Bank

Hazelwood, MO · Cert 57884 · Paramount Financial Group Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$86.6MAssets
$74.1MLoans
$74.7MDeposits
$10.1MEquity
Loan mix
78%RE $57.0M9%C&I $6.5M13%Consumer $9.8MQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $71.2M5%Noninterest $3.5MQ2 2025Q2 2026

NIM

5.62%Q2 ’245.82%Q2 ’255.89%Q2 ’26+21%+30%

Non-interest income vs. expense

13.17%Q2 ’2412.10%Q2 ’259.59%Q2 ’26-18%+14%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #83 of 111 inst. · $0.1B of $141.7B

Executive Summary

  • Earnings: ROA of -3.93%, down 101 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.55% of loans (+46 bps YoY), with net charge-offs at 0.46%.
  • Capital: tier 1 leverage ratio of 10.88%, up 422 bps from a year ago.
  • Funding: loans stand at 99.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-3.93%-101 bps YoY

Net Interest Margin (YTD, annualized)

3.13%+72 bps YoY

Efficiency Ratio (YTD, annualized)

148.35%+1,435 bps YoY

Tier 1 Leverage Ratio

10.88%+422 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.91%-2.99%1.35%-0.91%-3.93%-101 bps
Return on Equity-36.91%-35.24%14.11%-6.75%-30.44%+648 bps
Net Interest Margin2.41%2.48%2.45%3.11%3.13%+72 bps
Efficiency Ratio134.00%134.70%90.09%108.21%148.35%+1,435 bps
Non-Interest Burden5.46%5.70%1.13%3.79%6.23%+77 bps
Growth
Asset Growth (YoY)-19.49%-6.70%-2.40%9.87%6.75%+2,624 bps
Loan Growth (YoY)-24.59%-23.07%-3.67%4.53%14.66%+3,925 bps
Deposit Growth (YoY)-3.74%-9.52%-11.34%3.80%1.31%+505 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.33%0.67%0.99%0.55%+46 bps
Net Charge-Offs / Loans0.07%0.05%0.03%0.00%0.46%+38 bps
Allowance / Loans0.87%0.91%0.89%0.95%0.84%-3 bps
Allowance Coverage of NPLs9.7x2.7x1.3x1.0x1.5x-8.2x
Capital
Tier 1 Leverage Ratio6.66%10.17%13.13%12.76%10.88%+422 bps
Total Risk-Based Capital10.62%15.72%19.15%17.91%16.78%+616 bps
Equity / Assets7.53%10.16%14.10%13.00%11.64%+411 bps
Liquidity & Funding
Loans / Deposits87.66%81.58%102.57%96.14%99.21%+1,155 bps
Liquid Assets / Assets12.73%21.93%10.36%13.15%10.10%-264 bps
CRE / Total Capitaln/a153.36%114.77%108.78%n/an/a