Bank Comparison
Paragon Bank vs Commerceone Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Paragon Bank | Commerceone Bank |
|---|---|---|
| CET1 Ratio | 11.16% | 11.32% |
| Tier 1 Capital Ratio | 11.16% | 11.32% |
| Total Capital Ratio | 12.37% | 12.32% |
| Tier 1 Leverage Ratio | 8.66% | 9.70% |
| Equity / Assets | 8.50% | 9.12% |
Profitability
| Metric | Paragon Bank | Commerceone Bank |
|---|---|---|
| Return on Assets (ROA) | 0.90% | -2.15% |
| Return on Equity (ROE) | 10.79% | -22.12% |
| Net Interest Margin (NIM) | 3.87% | 3.73% |
| Yield on Earning Assets | 6.18% | 5.91% |
| Cost of Funds | 2.51% | 2.40% |
Asset quality
| Metric | Paragon Bank | Commerceone Bank |
|---|---|---|
| Texas Ratio | 4.50% | 0.00% |
| Non-Performing Loan Ratio | 0.43% | 0.00% |
| Non-Performing Asset Ratio | 0.40% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 7.00% |
| ACL / Loans | 1.04% | 1.00% |
Balance sheet
| Metric | Paragon Bank | Commerceone Bank |
|---|---|---|
| Total Assets | $892,335K | $891,744K |
| Total Deposits | $782,223K | $802,663K |
| Total Loans | $804,487K | $692,364K |
| Total Equity | $75,812K | $81,324K |
| Net Income (quarter) | $2,033K | $-4,639 |
Liquidity & funding
| Metric | Paragon Bank | Commerceone Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 102.85% | 86.26% |
| Core Deposit Ratio | 90.62% | 99.05% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Paragon Bank | Commerceone Bank |
|---|---|---|
| Headquarters City | MEMPHIS | BIRMINGHAM |
| Headquarters State | TN | AL |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 10 | 2 |
| Employees (FTE) | 119 | 59 |
| Established | Jan. 19, 2005, midnight | June 4, 2018, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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