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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.00% | 2.49% | 2.25% | 2.02% | 2.27% | 1.40% | 1.56% | 1.91% | -11 bps | |
| Return on Equity | 29.31% | 37.60% | 33.75% | 31.25% | 32.97% | 19.21% | 22.56% | 27.70% | -355 bps | |
| Net Interest Margin | 5.44% | 4.74% | 4.95% | 4.82% | 4.75% | 4.56% | 4.30% | 4.51% | -32 bps | |
| Efficiency Ratio | 53.92% | 50.81% | 51.72% | 51.89% | 54.21% | 67.36% | 60.60% | 57.18% | +529 bps | |
| Non-Interest Burden | 2.54% | 1.58% | 2.08% | 2.06% | 1.91% | 2.86% | 2.37% | 2.11% | +4 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 | -0.01% | 0.00% | 0.00% | 0.18% | -0.02% | -0.16% | 0.20% | -0.02% | -20 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 | |