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Paradise Bank

Boca Raton, FL · Cert 58030 · Paradise Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$415.2MAssets
$285.2MLoans
$381.2MDeposits
$30.6MEquity
Loan mix
91%RE $276.3M8%C&I $25.6M0%Consumer $0.7MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $243.2M36%Noninterest $138.0MQ2 2025Q2 2026

NIM

7.10%Q2 ’246.51%Q2 ’256.01%Q2 ’26-13%-6%

Non-interest income vs. expense

3.61%Q2 ’242.96%Q2 ’253.14%Q2 ’26-14%+12%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.1% share · #49 of 86 inst. · $0.4B of $348.8B

0.5% Palm Beach
0.1% Broward

Executive Summary

  • Earnings: ROA of 1.75%, down 40 bps year over year; NIM at 4.48%.
  • Asset quality: problem loans at 0.05% of loans (-17 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 8.76%, up 21 bps from a year ago.
  • Funding: loans stand at 74.82% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.75%-40 bps YoY

Net Interest Margin (YTD, annualized)

4.48%-30 bps YoY

Efficiency Ratio (YTD, annualized)

58.81%+700 bps YoY

Tier 1 Leverage Ratio

8.76%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.14%2.20%2.01%1.56%1.75%-40 bps
Return on Equity32.36%32.42%29.12%22.56%24.74%-762 bps
Net Interest Margin4.78%4.74%4.67%4.30%4.48%-30 bps
Efficiency Ratio51.81%52.66%56.05%60.60%58.81%+700 bps
Non-Interest Burden2.03%1.97%2.19%2.37%2.28%+25 bps
Growth
Asset Growth (YoY)19.18%-6.23%5.36%-0.46%-8.46%-2,764 bps
Loan Growth (YoY)20.46%5.20%5.56%-7.00%-11.49%-3,195 bps
Deposit Growth (YoY)20.38%-5.77%4.98%1.81%-9.14%-2,952 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.11%0.26%0.09%0.05%-17 bps
Net Charge-Offs / Loans0.09%0.05%0.00%0.20%0.10%+1 bps
Allowance / Loans0.94%0.96%1.01%1.00%1.06%+12 bps
Allowance Coverage of NPLs4.1x8.3x3.8x10.9x19.7x+15.6x
Capital
Tier 1 Leverage Ratio8.55%8.73%8.65%8.11%8.76%+21 bps
Total Risk-Based Capital12.72%13.24%13.36%13.11%14.25%+153 bps
Equity / Assets6.54%7.26%7.36%6.47%7.36%+82 bps
Liquidity & Funding
Loans / Deposits76.80%78.94%77.77%73.08%74.82%-199 bps
Liquid Assets / Assets11.04%8.80%9.17%13.49%11.86%+82 bps
CRE / Total Capitaln/a428%412%398%n/an/a