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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

5.86%Q2 ’245.75%Q2 ’256.06%Q2 ’26+17%+28%

Non-interest income vs. expense

13.37%Q2 ’2412.79%Q2 ’259.99%Q2 ’26-31%+102%

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 -6.83%, down 520 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.55% of loans (+46 bps YoY), with net charge-offs at 0.91%.
  • 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 (quarter, annualized)

-6.83%-520 bps YoY

Net Interest Margin (quarter, annualized)

3.18%+70 bps YoY

Efficiency Ratio (quarter, annualized)

225%+10,812 bps YoY

Tier 1 Leverage Ratio

10.88%+422 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.62%-3.19%14.14%-0.91%-6.83%-520 bps
Return on Equity-21.00%-35.94%116.90%-6.75%-55.36%-3,436 bps
Net Interest Margin2.47%2.47%2.81%3.11%3.18%+70 bps
Efficiency Ratio116.98%136.08%45.49%108.21%225%+10,812 bps
Non-Interest Burden4.31%5.83%-11.60%3.79%8.71%+440 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 / Loans0.00%0.00%0.00%0.00%0.91%+91 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