| Metric | Paragon Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.9% | +0.0 pts |
| Deposit growth (YoY) | -1.8% | +4.3% | -6.1 pts |
| Loan growth (YoY) | +9.2% | +5.3% | +3.9 pts |
| ROA | 0.90% | 1.28% | -0.4 pts |
| ROE | 10.7% | 12.4% | -1.8 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $908.1M | $765.3M | $812.0M | $76.9M | $4.1M | 0.90% | 4.00% | 0.29% |
| Q1 2026 | $892.3M | $782.2M | $796.1M | $75.8M | $2.0M | 0.91% | 3.97% | 0.41% |
| Q4 2025 | $888.6M | $754.4M | $796.3M | $74.9M | $8.2M | 0.95% | 4.00% | 0.24% |
| Q3 2025 | $845.9M | $757.2M | $743.1M | $73.6M | $6.1M | 0.95% | 3.97% | 0.26% |
| Q2 2025 | $865.2M | $779.1M | $743.5M | $71.0M | $4.1M | 0.95% | 3.92% | 0.26% |
| Q1 2025 | $873.4M | $774.8M | $781.1M | $68.6M | $2.1M | 0.96% | 3.83% | 0.26% |
| Q4 2024 | $874.1M | $770.7M | $778.5M | $66.0M | $5.1M | 0.64% | 3.67% | 0.28% |
| Q3 2024 | $824.8M | $710.4M | $735.6M | $64.0M | $3.3M | 0.57% | 3.64% | 0.35% |
Loan mix (Q2 2026): real estate $630.7M · commercial $176.6M · consumer $11.8M · securities $50.6M
| Ratio | Paragon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 1.28% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 12.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.6% | 61.2% | 78th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Paragon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Paragon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Paragon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Paragon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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