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Paramount Bank

under $100M Specialty: Consumer MO FDIC cert 57884

Designations: ✓ Community bank ✓ Minority Depository Institution

Hazelwood, MO

3 branches across CT · MO · 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 536 banks in the under $100M peer group nationwide — 1 of 16 in MO.
  • Deposits +1.3% year over year ($74.7M on the books).
  • Delinquency rate 0.55%.
  • Return on assets -3.93%.
  • Efficiency ratio 148.35% vs a 119.40% peer average.
  • Loan-to-deposit ratio 98.37% vs a 74.21% peer average.

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

536 banks in the under $100M peer group nationally 16 in MO
View under $100M leaderboard (MO) →

Paramount Bank has 2 strengths but faces 3 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

  • + Non-Interest Income / Assets 0.31% above tier average
  • + Delinquency Rate 0.93% below tier average

Key Concerns

Areas that may need attention

  • - Return on Assets 4.92% below tier average
  • - Efficiency Ratio 28.96% above tier average
  • - Net Interest Margin 0.60% below tier average
Get updates when Paramount Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $86.6M
+6.8% YoY -2.7% QoQ
+$24.1M $62.4M
-0.0% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
81%
Total Loans ? $73.5M
+14.7% YoY +1.2% QoQ
+$38.6M $34.9M
-0.6% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
Top 3.9% in tier
Total Deposits ? $74.7M
+1.3% YoY -2.0% QoQ
+$23.1M $51.6M
-0.2% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
83%
Return on Assets ? -3.93%
-34.8% YoY -329.7% QoQ
-4.92% 1.00%
+3.5% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Bottom 2.8% in tier
Net Interest Margin ? 3.31%
+29.5% YoY +1.5% QoQ
-0.60% 3.91%
+2.3% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
23%
Efficiency Ratio ? 148.35%
+10.7% YoY +37.1% QoQ
+28.96% 119.40%
+49.6% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
Bottom 4.5% in tier
Delinquency Rate ? 0.55%
+510.3% YoY -44.6% QoQ
-0.93% 1.48%
+31.8% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
47%
Loan-to-Deposit Ratio ? 98.37%
+13.2% YoY +3.3% QoQ
+24.16% 74.21%
+12.6% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
Bottom 10.4% in tier
Non-Interest-Bearing Deposit Share ? 4.66%
-5.6% YoY -43.7% QoQ
-18.83% 23.49%
+0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
Bottom 10.3% in tier
Nonperforming Asset Ratio ? 1.01%
-25.2% YoY -24.6% QoQ
+0.18% 0.84%
+23.0% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
24%
Tier 1 Capital Ratio ? 15.71%
+64.1% YoY -6.6% QoQ
-11.42% 27.13%
+3.0% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
51%
Non-Interest Income / Assets ? 1.69%
-50.1% YoY +27.1% QoQ
+0.31% 1.38%
+6.3% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
Top 3.9% in tier

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 (MO) National Avg Tier Percentile
Noninterest-Bearing 4.7%
-0.3pp YoY
-3.6pp QoQ
 -20.0pp 24.6% 20.9% 22.2% 6%
Brokered Deposits 38.2%
+0.9pp YoY
+4.7pp QoQ
 +28.4pp 9.8% 7.4% 8.5% 98%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 8.8%
+1.3pp YoY
0.0pp QoQ
 -4.6pp 13.4% 12.3% 12.5% 46%
CRE 19.1%
-0.5pp YoY
+2.8pp QoQ
 -6.1pp 25.2% 36.8% 41.4% 46%
1-4 Family 54.4%
-13.8pp YoY
-7.9pp QoQ
 +19.4pp 35.0% 31.9% 31.3% 76%
Consumer 18.5%
+13.0pp YoY
+5.0pp QoQ
 +10.9pp 7.7% 4.1% 5.0% 92%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 15.7%
+6.1pp YoY
-1.1pp QoQ
 -23.0pp 38.7% 18.5% 19.7% 26%
Leverage Ratio 10.9%
+4.2pp YoY
-1.9pp QoQ
 -6.8pp 17.7% 11.6% 12.6% 28%
Total Capital Ratio 16.8%
+6.2pp YoY
-1.1pp QoQ
 -22.9pp 39.7% 19.6% 20.8% 28%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 27
-17 (-38.6%) YoY
-6 (-18.2%) QoQ
 +15 12 162 482 97%
Assets per Employee ($) $3.2M
+74.0% YoY
+18.9% QoQ
 -$3.0M $6.2M $8.0M $8.8M 10%
Branch Count 3
0 YoY
0 QoQ
 +1 1 10 18 89%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 0.4%
-0.5pp QoQ
 -0.5pp 1.0% 0.3% 0.4% 49%
Nonaccrual 0.1%
0.0pp YoY
+0.1pp QoQ
 -1.6pp 1.7% 0.8% 1.0% 14%
Allowance Coverage 1.54x
-84.1% YoY
+60.9% QoQ
 -4.87x 6.41x 10.47x 20.23x 54%
Net Charge-off Rate (YTD) 0.5%
+0.4pp YoY
 +0.3pp 0.2% 0.3% 0.2% 88%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE -30.4%
+6.5pp YoY
-23.7pp QoQ
 -36.8pp 6.4% 14.3% 11.6% 2%
Cost of Funds (YTD) 3.0%
-0.7pp YoY
+0.1pp QoQ
 +1.5pp 1.4% 1.8% 1.7% 98%
Net Income ($, YTD) $-1695000.0
-41.0% YoY
— QoQ
 -$2.0M $317,817 $11.3M $40.4M 2%

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 (0)

No matched concern signatures this quarter

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).
Comparing against 536 peers in under $100M

Top Strengths (4 metrics)

22
Total Loans
size
Value: $73.48M
Peer Median: $34.89M
#22 of 536 Top 3.9% in under $100M
22
Non-Interest Income / Assets
revenue_mix
Value: 1.69%
Peer Median: 1.38%
#22 of 536 Top 3.9% in under $100M
92
Total Deposits
size
Value: $74.69M
Peer Median: $51.62M
#92 of 536 Top 17.0% in under $100M
105
Total Assets
size
Value: $86.55M
Peer Median: $62.44M
#105 of 536 Top 19.4% in under $100M

Top Weaknesses (6 metrics)

522
Return on Assets
profitability
Value: -3.93%
Peer Median: 1.00%
#522 of 536 Bottom 2.8% in under $100M
513
Efficiency Ratio
profitability
Value: 148.35%
Peer Median: 119.40%
#513 of 536 Bottom 4.5% in under $100M
482
Non-Interest-Bearing Deposit Share
funding
Value: 4.66%
Peer Median: 23.49%
#482 of 536 Bottom 10.3% in under $100M
481
Loan-to-Deposit Ratio
liquidity
Value: 98.37%
Peer Median: 74.21%
#481 of 536 Bottom 10.4% in under $100M
415
Net Interest Margin
profitability
Value: 3.31%
Peer Median: 3.91%
#415 of 536 Bottom 22.8% in under $100M
408
Nonperforming Asset Ratio
credit_quality
Value: 1.01%
Peer Median: 0.84%
#408 of 536 Bottom 24.1% in under $100M
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