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Paradise Bank

$100M-$1B Specialty: Commercial FL FDIC cert 58030

Boca Raton, FL

3 branches across FL

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 44 in FL.
  • Deposits -9.1% year over year ($381.2M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 2.22%.
  • Efficiency ratio 58.81% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.02% 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 44 in FL
View $100M-$1B leaderboard (FL) →

Paradise Bank has 5 strengths but faces 1 concern

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

  • + Revenue Diversifier: Top 26.5% in tier
  • + Deposit Franchise: Top 27.3% in tier
  • + Return on Assets 0.90% above tier average
  • + Efficiency Ratio 5.67% below tier average
  • + Delinquency Rate 0.86% below tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 31.9% in tier
Get updates when Paradise Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $415.2M
-8.5% YoY -6.7% QoQ
+$28.6M $386.6M
+1.2% YoY
$4.3B
+7.0% YoY
$6.3B
+7.7% YoY
63%
Total Loans ? $282.2M
-11.6% YoY -5.6% QoQ
+$23.8M $258.3M
+1.7% YoY
$3.0B
+8.2% YoY
$3.2B
+9.4% YoY
64%
Total Deposits ? $381.2M
-9.1% YoY -7.7% QoQ
+$54.5M $326.7M
+0.7% YoY
$3.5B
+7.0% YoY
$4.9B
+7.3% YoY
67%
Return on Assets ? 2.22%
-18.5% YoY +12.1% QoQ
+0.90% 1.32%
+10.8% YoY
0.62%
-8.3% YoY
1.30%
+12.1% YoY
Top 8.2% in tier
Net Interest Margin ? 5.02%
-6.7% YoY +2.7% QoQ
+1.04% 3.99%
+5.0% YoY
3.70%
+0.5% YoY
3.95%
+4.9% YoY
Top 7.8% in tier
Efficiency Ratio ? 58.81%
+13.5% YoY -3.0% QoQ
-5.67% 64.48%
-3.2% YoY
199.20%
+161.3% YoY
70.05%
+2.5% YoY
61%
Delinquency Rate ? 0.05%
-76.2% YoY -41.5% QoQ
-0.86% 0.92%
+15.7% YoY
0.61%
-2.0% YoY
0.98%
+16.3% YoY
79%
Loan-to-Deposit Ratio ? 74.02%
-2.7% YoY +2.3% QoQ
-3.93% 77.95%
+1.0% YoY
72.91%
-1.7% YoY
79.03%
+2.3% YoY
62%
Non-Interest-Bearing Deposit Share ? 36.21%
+25.3% YoY +3.5% QoQ
+14.18% 22.03%
-0.6% YoY
27.35%
-2.5% YoY
21.98%
-0.6% YoY
Top 8.4% in tier
Nonperforming Asset Ratio ? 0.04%
-77.0% YoY -40.8% QoQ
-0.63% 0.67%
+16.4% YoY
0.42%
-2.6% YoY
0.69%
+15.8% YoY
81%
Tier 1 Capital Ratio ? 13.21%
+12.0% YoY +9.0% QoQ
-2.70% 15.91%
+1.4% YoY
19.50%
+8.2% YoY
17.09%
+0.8% YoY
50%
Non-Interest Income / Assets ? 0.45%
-1.6% YoY +195.3% QoQ
-0.11% 0.57%
+7.6% YoY
1.02%
+6.4% YoY
0.66%
+5.2% YoY
Top 11.2% 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 (FL) National Avg Tier Percentile
Noninterest-Bearing 36.2%
+7.3pp YoY
+1.2pp QoQ
 +14.1pp 22.1% 27.7% 22.2% 92%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
C&I 9.5%
+1.8pp YoY
+0.9pp QoQ
 -2.1pp 11.6% 12.9% 12.5% 49%
CRE 45.8%
-7.7pp YoY
-3.0pp QoQ
 +6.2pp 39.5% 50.6% 41.4% 63%
1-4 Family 45.9%
+6.2pp YoY
+2.3pp QoQ
 +13.3pp 32.6% 30.7% 31.3% 78%
Consumer 0.2%
-0.2pp YoY
0.0pp QoQ
 -3.9pp 4.1% 3.7% 5.0% 9%

Capital

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
CET1 Ratio 13.2%
+1.4pp YoY
+1.1pp QoQ
 -5.6pp 18.8% 19.8% 19.7% 31%
Leverage Ratio 8.8%
+0.2pp YoY
+0.6pp QoQ
 -3.4pp 12.2% 13.9% 12.6% 9%
Total Capital Ratio 14.3%
+1.5pp YoY
+1.1pp QoQ
 -5.7pp 19.9% 21.1% 20.8% 30%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Full-Time Employees 52
+2 (+4.0%) YoY
+1 (+2.0%) QoQ
 -7 58 295 482 56%
Assets per Employee ($) $8.0M
-12.0% YoY
-8.5% QoQ
 +$467K $7.5M $10.3M $8.8M 68%
Branch Count 3
+1 (+50.0%) YoY
0 QoQ
 -2 4 13 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.1%
-0.2pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.7% 1.0% 12%
Allowance Coverage 19.73x
+375.5% YoY
+81.8% QoQ
 -4.42x 24.15x 16.62x 20.23x 88%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 76%

Profitability

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
ROE 31.5%
-9.6pp YoY
+2.8pp QoQ
 +19.3pp 12.2% 9.3% 11.6% 98%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
-0.1pp QoQ
 0.0pp 1.7% 1.8% 1.7% 52%
Net Income ($, YTD) $4.8M
-19.6% YoY
— QoQ
 +$2.2M $2.6M $25.2M $40.4M 86%

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 (2)

Revenue Diversifier

growth
#176 of 661 • Top 26.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.45%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.22%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Deposit Franchise

growth
#77 of 278 • Top 27.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 36.21%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.02%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Cost Spiral

risk
#45 of 138 • Bottom 31.9% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 58.81%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

206
Net Interest Margin
profitability
Value: 5.02%
Peer Median: 3.99%
#206 of 2643 Top 7.8% in $100M-$1B
219
Return on Assets
profitability
Value: 2.22%
Peer Median: 1.32%
#219 of 2643 Top 8.2% in $100M-$1B
222
Non-Interest-Bearing Deposit Share
funding
Value: 36.21%
Peer Median: 22.03%
#222 of 2643 Top 8.4% in $100M-$1B
296
Non-Interest Income / Assets
revenue_mix
Value: 0.45%
Peer Median: 0.57%
#296 of 2643 Top 11.2% in $100M-$1B
514
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.67%
#514 of 2643 Top 19.4% in $100M-$1B
567
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#567 of 2633 Top 21.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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