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 0.67% above tier average
- + Delinquency Rate 0.57% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.75% below tier average
- - Net Interest Margin 0.60% below tier average
- - Efficiency Ratio 19.87% 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
|
+$26.8M |
$62.2M
-0.6% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Top 14.2% in tier |
| Total Loans ? |
$72.6M
+4.5% YoY
+3.4% QoQ
|
+$38.3M |
$34.2M
-1.4% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
Top 3.7% in tier |
| Total Deposits ? |
$76.2M
+3.8% YoY
+10.4% QoQ
|
+$24.5M |
$51.7M
-0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
84% |
| Return on Assets ? |
-0.91%
+78.2% YoY
-167.4% QoQ
|
-1.75% |
0.84%
-2.3% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
Bottom 7.8% in tier |
| Net Interest Margin ? |
3.26%
+32.7% YoY
+23.5% QoQ
|
-0.60% |
3.86%
+2.8% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
23% |
| Efficiency Ratio ? |
108.21%
-32.4% YoY
+20.1% QoQ
|
+19.87% |
88.34%
+0.3% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 10.9% in tier |
| Delinquency Rate ? |
0.80%
+18.0% QoQ
|
-0.57% |
1.37%
+33.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
95.23%
+0.6% YoY
-6.3% QoQ
|
+31.01% |
64.22%
-0.7% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 11.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.29%
+102.5% YoY
+56.9% QoQ
|
-15.43% |
23.71%
+0.3% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Bottom 13.1% in tier |
| Nonperforming Asset Ratio ? |
1.18%
-7.9% YoY
+4.2% QoQ
|
+0.39% |
0.79%
+28.2% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
21% |
| Tier 1 Capital Ratio ? |
17.04%
+87.1% YoY
-5.7% QoQ
|
-9.64% |
26.68%
+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
|
+0.67% |
0.67%
+1.9% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% 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.