BlastPoint's Banking Scorecard
Paramount Bank
Designations: ✓ Community bank ✓ Minority Depository Institution
Hazelwood, MO
3 branches across CT · MO · NC
Paramount Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.66% above tier average
- + Delinquency Rate 0.56% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.77% below tier average
- - Net Interest Margin 0.61% below tier average
- - Efficiency Ratio 20.58% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$89.0M
+9.9% YoY
+6.6% QoQ
|
+$26.7M |
$62.3M
-0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.0% YoY
|
Top 14.3% in tier |
| Total Loans ? |
$72.6M
+4.5% YoY
+3.4% QoQ
|
+$38.3M |
$34.3M
-1.5% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.7% YoY
|
Top 3.7% in tier |
| Total Deposits ? |
$76.2M
+3.8% YoY
+10.4% QoQ
|
+$24.4M |
$51.8M
-0.6% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.0% YoY
|
84% |
| Return on Assets ? |
-0.91%
+78.2% YoY
-167.4% QoQ
|
-1.77% |
0.86%
-3.6% YoY
|
1.43%
+10.8% YoY
|
1.24%
+13.1% YoY
|
Bottom 7.4% in tier |
| Net Interest Margin ? |
3.26%
+32.7% YoY
+23.5% QoQ
|
-0.61% |
3.87%
+2.7% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
22% |
| Efficiency Ratio ? |
108.21%
-32.4% YoY
+20.1% QoQ
|
+20.58% |
87.63%
+2.3% YoY
|
59.97%
-5.2% YoY
|
66.84%
-3.8% YoY
|
Bottom 10.4% in tier |
| Delinquency Rate ? |
0.80%
+18.0% QoQ
|
-0.56% |
1.36%
+33.7% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
95.23%
+0.6% YoY
-6.3% QoQ
|
+31.12% |
64.11%
-0.9% YoY
|
79.48%
+1.6% YoY
|
76.69%
+0.9% YoY
|
Bottom 11.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.29%
+102.5% YoY
+56.9% QoQ
|
-15.50% |
23.79%
+0.5% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.1% YoY
|
Bottom 12.8% in tier |
| Nonperforming Asset Ratio ? |
1.18%
-7.9% YoY
+4.2% QoQ
|
+0.41% |
0.77%
+28.7% YoY
|
0.67%
+20.5% YoY
|
0.66%
+19.3% YoY
|
21% |
| Tier 1 Capital Ratio ? |
17.04%
+87.1% YoY
-5.7% QoQ
|
-9.73% |
26.77%
+2.0% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
1.33%
+8.4% YoY
-87.9% QoQ
|
+0.66% |
0.67%
+1.6% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.0% YoY
|
Top 3.5% in tier |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.