Boca Raton, FL · Cert 58030 · Paradise Bcorp Inc.
State charter, Fed member · FED · 3 branches
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 (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
53
Profitability
90
Liquidity
81
Efficiency
74
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.
Boca Raton, FL · Cert 58030 · Paradise Bcorp Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.1% share · #49 of 86 inst. · $0.4B of $348.8B
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 | 2.32% | 2.42% | 2.25% | 2.14% | 2.20% | 2.01% | 1.56% | 1.75% | -40 bps | |
| Return on Equity | 32.35% | 33.98% | 33.75% | 32.36% | 32.42% | 29.12% | 22.56% | 24.74% | -762 bps | |
| Net Interest Margin | 5.32% | 4.83% | 4.95% | 4.78% | 4.74% | 4.67% | 4.30% | 4.48% | -30 bps | |
| Efficiency Ratio | 53.79% | 52.99% | 51.72% | 51.81% | 52.66% | 56.05% | 60.60% | 58.81% | +700 bps | |
| Non-Interest Burden | 2.36% | 2.01% | 2.08% | 2.03% | 1.97% | 2.19% | 2.37% | 2.28% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 41.05% | 26.15% | 21.61% | 19.18% | -6.23% | 5.36% | -0.46% | -8.46% | -2,764 bps | |
| Loan Growth (YoY) | 31.78% | 24.89% | 31.96% | 20.46% | 5.20% | 5.56% | -7.00% | -11.49% | -3,195 bps | |
| Deposit Growth (YoY) | 41.65% | 27.40% | 20.32% | 20.38% | -5.77% | 4.98% | 1.81% | -9.14% | -2,952 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.30% | 0.33% | 0.23% | 0.11% | 0.26% | 0.09% | 0.05% | -17 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.03% | 0.00% | 0.09% | 0.05% | 0.00% | 0.20% | 0.10% | +1 bps | |
| Allowance / Loans | 0.98% | 1.00% | 0.91% | 0.94% | 0.96% | 1.01% | 1.00% | 1.06% | +12 bps | |
| Allowance Coverage of NPLs | n/a | 3.3x | 2.7x | 4.1x | 8.3x | 3.8x | 10.9x | 19.7x | +15.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.25% | 8.69% | 8.73% | 8.55% | 8.73% | 8.65% | 8.11% | 8.76% | +21 bps | |
| Total Risk-Based Capital | 12.60% | 12.96% | 12.43% | 12.72% | 13.24% | 13.36% | 13.11% | 14.25% | +153 bps | |
| Equity / Assets | 6.34% | 6.96% | 6.41% | 6.54% | 7.26% | 7.36% | 6.47% | 7.36% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.71% | 77.34% | 80.00% | 76.80% | 78.94% | 77.77% | 73.08% | 74.82% | -199 bps | |
| Liquid Assets / Assets | 18.69% | 9.70% | 9.52% | 11.04% | 8.80% | 9.17% | 13.49% | 11.86% | +82 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 428% | 412% | 398% | n/a | n/a | |
Boca Raton, FL · Cert 58030 · Peer group: banks under $1B in assets (n=581-629) · Paradise Bcorp Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Return on Assets
1.81%
Rank 92 of 629
Net Interest Margin
4.48%
Rank 68 of 629
Efficiency Ratio
58.81%
Rank 162 of 629
Equity / Assets
7.36%
Rank 586 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.81% | 0.60% | 1.01% | 1.45% | Beats 85% | 92 / 629 | ||
| Return on Equity | 24.65% | 5.38% | 9.30% | 13.28% | Beats 96% | 23 / 629 | ||
| Net Interest Margin | 4.48% | 3.03% | 3.54% | 4.05% | Beats 89% | 68 / 629 | ||
| Efficiency Ratio | 58.81% | 58.35% | 67.79% | 79.08% | Beats 74% | 162 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.09% | 0.46% | 1.20% | Beats 79% | 122 / 581 | ||
| Net Charge-Offs / Loans | 0.05% | n/a | 0.01% | 0.06% | Beats 27% | 425 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.21% | 11.24% | 13.84% | 18.77% | Beats 46% | 341 / 629 | ||
| Total Risk-Based Capital Ratio | 14.25% | 11.58% | 14.43% | 19.66% | Beats 48% | 325 / 629 | ||
| Equity / Assets | 7.36% | 9.09% | 10.65% | 13.80% | Beats 7% | 586 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.82% | 67.24% | 80.90% | 93.48% | 39th pctl | 364 / 594 | ||
| Loans / Assets | 68.69% | 53.31% | 67.71% | 78.15% | 52nd pctl | 303 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||