Paradise Bank
BankRegReports is independent of Paradise Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Paradise Bank is an FDIC-insured commercial bank headquartered in Boca Raton, FL, established in 2005 (FDIC certificate 58030), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $415.2M, down 8.5% from Q2 2025, the 47th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 13.21% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 58030
- Headquarters
- Boca Raton, FL
- Established
- 2005
- Total assets, Q2 2026
- $415.2M
- Assets vs Q2 2025
- -8.5%
- CET1 ratio, Q2 2026
- 13.21%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 067015795
- Latest call report
- Q2 2026, FFIEC 041 · Paradise Bank call report
- Holding company
- PARADISE BANCORP, INC.
- Asset rank in state
- 47th of 81 in Florida
Paradise Bank is one of the more profitable banks of its size. It reported $415 million in assets at June 30, 2026, down 8.5% from a year earlier. It earns about $2.40 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.95 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Unrealized losses on its securities total $7.7 million, equal to 20% of Tier 1 capital, against 23% a year earlier. Where it has less room is capital: it funds 8.76% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, Paradise Bank reported a CET1 capital ratio of 13.21%, a return on assets of 2.40%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.46%. The figures come from its call report filed with the FFIEC.
Paradise Bank ranks as the 47th largest of the 81 banks based in Florida, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 6.7% to $415.2M, loans fell 5.5% and deposits fell 7.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 45.4% of total loans, ahead of owner-occupied commercial real estate loans at 32.0%. The FDIC Summary of Deposits lists 3 offices for it, in Boca Raton, FL, Delray Beach, FL and Fort Lauderdale, FL; its Boca Raton office books 68% of its branch deposits. Judged on its Q2 2026 call report, Paradise Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3800 N Federal Hwy, Boca Raton, FL 33431
- County
- Palm Beach
- Metro Area
- Miami-Fort Lauderdale-West Palm Beach, FL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 25, 2005
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 52
- Domestic deposits
- $381.2M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $141K
- Average total assets
- $436.7M
- Average total loans
- $290.9M
- Average interest-bearing deposits
- $251.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 25, 2005
- FDIC Cert
- 58030
- Fed RSSD
- 3368635
- Website
- www.Paradise.Bank →
- Parent Holding Company
- PARADISE BANCORP, INC. (RSSD 4977342)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Paradise Bank's total assets ran between $327.3M (Q4 2023) and $468.6M (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$415.2M total assets against $453.6M; $384.6M total liabilities against $423.9M.
$282.2M net loans and leases against $319.2M; $381.2M total deposits against $419.5M.
$41.9M securities against $42.4M; $51.2M cash and balances due against $52.9M.
$6.5M total interest income against $7.5M; $1.5M total interest expense against $2.1M.
$4.9M net interest income against $5.4M.
$1.2M total noninterest income against $1.0M; $3.5M total noninterest expense against $3.3M.
$0 provision for credit losses against $200K.
$2.6M net income against $2.9M.
2.40% return on assets against 2.58%; 4.95% net interest margin against 5.26%.
13.21% CET1 capital ratio against 11.79%; 8.76% tier 1 leverage ratio against 8.55%.
Inside the full Paradise Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeParadise Bank rankings
Its closest position to the top of a national ranking is 204 of 3,611, for ROA; its furthest is 2,985 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.70% (Q4 2025) to 3.16% (Q4 2024) and its net interest margin ran from 4.70% (Q1 2026) to 5.87% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.21% | 2.40% | 0.05% | 0.46% | 4.95% |
| Q1 2026 | 12.12% | 1.93% | 0.09% | 0.87% | 4.70% |
| Q4 2025 | 12.37% | 1.70% | 0.26% | 2.34% | 4.99% |
| Q3 2025 | 12.30% | 2.85% | 0.11% | 1.04% | 5.21% |
| Q2 2025 | 11.79% | 2.58% | 0.23% | 2.22% | 5.26% |
| Q1 2025 | 11.52% | 2.86% | 0.33% | 3.41% | 5.38% |
| Q4 2024 | 12.03% | 3.16% | 0.30% | 2.82% | 5.11% |
| Q3 2024 | 11.67% | 2.68% | 0.00% | 0.00% | 5.87% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Paradise Bank (main office) | Boca Raton , FL | 33431 | $259.8M |
| Delray Beach Office Branch | Delray Beach , FL | 33483 | $71.1M |
| Ft. Lauderdale Office Branch | Fort Lauderdale , FL | 33316 | $50.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- April 16, 2010, Federal Reserve: Written Agreement: Paradise Bank, Boca Raton, Florida
- Period: Most recent institution action April 16, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in FL, rank 93 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 17 loans, $25.0M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Paradise Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Paradise Bank with peers
Frequently asked about Paradise Bank
What are Paradise Bank's total assets?
As of the Q2 2026 filing, Paradise Bank reported total assets of $415.2 million in its FFIEC call report.
Where is Paradise Bank headquartered?
It is headquartered in Boca Raton, FL, United States.
When was Paradise Bank founded?
It was established in 2005, per the FDIC institution directory.
Is Paradise Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58030). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Paradise Bank?
Paradise Bank's primary federal regulator is the Federal Reserve.
What is Paradise Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.21% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Paradise Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Paradise Bank's Texas Ratio?
Its Texas Ratio is 0.46% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Paradise Bank.
Get an email when Paradise Bank files its next call report, and benchmark it against any peer you choose.
Unlock Paradise Bank, freeFree account