| Metric | Paramount Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +3.0% | +3.8 pts |
| Deposit growth (YoY) | +1.3% | +2.5% | -1.2 pts |
| Loan growth (YoY) | +14.7% | +2.6% | +12.1 pts |
| ROA | -3.93% | 0.99% | -4.9 pts |
| ROE | -30.4% | 8.1% | -38.5 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $86.6M | $74.7M | $73.5M | $10.1M | $-1.7M | -3.93% | 3.31% | 1.01% |
| Q1 2026 | $89.0M | $76.2M | $72.6M | $11.6M | $-197K | -0.91% | 3.26% | 1.34% |
| Q4 2025 | $83.5M | $69.1M | $70.2M | $11.8M | $1.1M | 1.35% | 2.64% | 1.13% |
| Q3 2025 | $86.3M | $76.1M | $61.6M | $8.8M | $-1.9M | -2.99% | 2.51% | 0.79% |
| Q2 2025 | $81.1M | $73.7M | $64.1M | $6.1M | $-1.2M | -2.91% | 2.55% | 1.35% |
| Q1 2025 | $81.0M | $73.4M | $69.5M | $6.4M | $-873K | -4.19% | 2.46% | 1.28% |
| Q4 2024 | $85.5M | $77.9M | $72.9M | $7.0M | $-8.4M | -8.98% | 2.14% | 1.21% |
| Q3 2024 | $92.5M | $84.2M | $79.9M | $7.6M | $-7.3M | -10.28% | 2.15% | 1.12% |
Loan mix (Q2 2026): real estate $54.0M · commercial $6.5M · consumer $13.6M · securities $0
| Ratio | Paramount Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.93% | 0.99% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -30.4% | 8.1% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 148.4% | 70.8% | 96th |
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 | Paramount 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 | Paramount 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 | Paramount 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 | Paramount 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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