BlastPoint's Banking Scorecard

Paragon Bank

$100M-$1B Specialty: Commercial TN FDIC cert 57874

Memphis, TN

10 branches across TN · GA · MS · NC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
Deposits -1.8% year over year ($765.3M on the books).
Delinquency rate 0.19%.
Return on assets 0.90%.
Efficiency ratio 71.63% vs a 64.48% peer average.
Loan-to-deposit ratio 106.09% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 72 in TN

View $100M-$1B leaderboard (TN) →

Paragon Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.73% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 38.7% in tier
- Loan-to-Deposit Ratio 28.14% above tier average
- ROA 0.42% below tier average
- Efficiency Ratio 7.15% above tier average

Get updates when Paragon Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$908.1M +4.9% YoY +1.8% QoQ	+$521.5M	$386.6M +1.2% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	Top 3.5% in tier
Total Loans ?	$812.0M +9.2% YoY +2.0% QoQ	+$553.6M	$258.3M +1.7% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	Top 0.2% in tier
Total Deposits ?	$765.3M -1.8% YoY -2.2% QoQ	+$438.6M	$326.7M +0.7% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	Top 3.7% in tier
Return on Assets ?	0.90% -4.4% YoY -1.0% QoQ	-0.42%	1.32% +10.8% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	28%
Net Interest Margin ?	4.00% +2.1% YoY +0.9% QoQ	+0.01%	3.99% +5.0% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	53%
Efficiency Ratio ?	71.63% +2.0% YoY +0.4% QoQ	+7.15%	64.48% -3.2% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	26%
Delinquency Rate ?	0.19% -37.5% YoY -58.1% QoQ	-0.73%	0.92% +15.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	67%
Loan-to-Deposit Ratio ?	106.09% +11.2% YoY +4.2% QoQ	+28.14%	77.95% +1.0% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	Bottom 5.2% in tier
Non-Interest-Bearing Deposit Share ?	18.76% -3.9% YoY +0.6% QoQ	-3.27%	22.03% -0.6% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	39%
Nonperforming Asset Ratio ?	0.29% +14.6% YoY -28.2% QoQ	-0.38%	0.67% +16.4% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	52%
Tier 1 Capital Ratio ?	11.27% +1.9% YoY +1.0% QoQ	-4.63%	15.91% +1.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	26%
Non-Interest Income / Assets ?	0.21% -11.9% YoY +101.7% QoQ	-0.36%	0.57% +7.6% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	53%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Noninterest-Bearing	18.8% -0.8pp YoY +0.1pp QoQ	-3.4pp	22.1%	18.8%	22.2%	39%
Brokered Deposits	9.3% -6.1pp YoY +0.6pp QoQ	+1.4pp	7.9%	9.4%	8.5%	73%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	21.8% +2.8pp YoY +0.7pp QoQ	+10.2pp	11.6%	10.9%	12.5%	90%
CRE	45.2% -1.9pp YoY -1.5pp QoQ	+5.7pp	39.5%	42.4%	41.4%	62%
1-4 Family	29.9% -0.1pp YoY +0.9pp QoQ	-2.8pp	32.6%	39.8%	31.3%	51%
Consumer	1.5% -0.5pp YoY -0.1pp QoQ	-2.7pp	4.1%	4.5%	5.0%	38%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	11.3% +0.2pp YoY +0.1pp QoQ	-7.6pp	18.8%	14.8%	19.7%	10%
Leverage Ratio	8.7% +0.2pp YoY 0.0pp QoQ	-3.5pp	12.2%	11.4%	12.6%	8%
Total Capital Ratio	12.4% +0.1pp YoY 0.0pp QoQ	-7.6pp	19.9%	15.9%	20.8%	10%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	122 +8 (+7.0%) YoY +3 (+2.5%) QoQ	+63	58	270	482	93%
Assets per Employee ($)	$7.4M -1.9% YoY -0.7% QoQ	-$75K	$7.5M	$7.1M	$8.8M	60%
Branch Count	10 0 YoY 0 QoQ	+5	4	17	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.2% -0.1pp YoY -0.2pp QoQ	-0.8pp	0.9%	0.7%	1.0%	28%
Allowance Coverage	5.06x +35.5% YoY +114.2% QoQ	-19.09x	24.15x	28.97x	20.23x	71%
Net Charge-off Rate (YTD)	0.2% +0.2pp YoY +0.2pp QoQ	0.0pp	0.1%	0.1%	0.2%	84%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	10.7% -1.3pp YoY -0.1pp QoQ	-1.5pp	12.2%	10.9%	11.6%	41%
Cost of Funds (YTD)	2.4% -0.3pp YoY 0.0pp QoQ	+0.7pp	1.7%	2.0%	1.7%	86%
Net Income ($, YTD)	$4.1M -1.6% YoY — QoQ	+$1.5M	$2.6M	$16.7M	$40.4M	81%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Deposit Outflow

decline

#208 of 535 • Bottom 38.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Total Loans

size

Value: $811.98M

Peer Median: $258.35M

#7 of 2643 Top 0.2% in $100M-$1B

Total Assets

size

Value: $908.08M

Peer Median: $386.57M

#93 of 2643 Top 3.5% in $100M-$1B

Total Deposits

size

Value: $765.34M

Peer Median: $326.73M

#99 of 2643 Top 3.7% in $100M-$1B

Top Weaknesses (1 metrics)

2506

Loan-to-Deposit Ratio

liquidity

Value: 106.09%

Peer Median: 77.95%

#2506 of 2643 Bottom 5.2% in $100M-$1B