Paradise Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings climbed 55.8% in Q2 2026, from $2.9M to $4.5M. It was the largest change from Q1 2026 among the key lines here. Within Florida, Paradise Bank is 38th of 56 on CET1 ratio, 13.21% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Paradise Bank sits 1.87 points lower, at 13.21% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.21% |
| Tier 1 risk-based capital ratio | 13.21% |
| Total risk-based capital ratio | 14.25% |
| Tier 1 leverage ratio | 8.76% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $38.2M |
| Tier 1 capital | $38.2M |
| Total risk-based capital | $41.3M |
| Total equity capital | $30.6M |
| Risk-weighted assets | $289.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.36% |
| Tangible equity to tangible assets | 7.36% |
| Equity capital to average assets | 7.00% |
| Internal capital growth rate | 22.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $12.1M |
| Common stock surplus | $21.6M |
| Retained earnings | $4.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.59% | 13.59% | 14.52% | 10.51% | $274.5M |
| Q4 2023 | 12.74% | 12.74% | 13.65% | 10.05% | $270.8M |
| Q1 2024 | 13.08% | 13.08% | 13.99% | 10.35% | $283.0M |
| Q2 2024 | 12.40% | 12.40% | 13.29% | 9.77% | $304.5M |
| Q3 2024 | 11.67% | 11.67% | 12.60% | 9.25% | $318.7M |
| Q4 2024 | 12.03% | 12.03% | 12.96% | 8.69% | $318.1M |
| Q1 2025 | 11.52% | 11.52% | 12.43% | 8.73% | $325.4M |
| Q2 2025 | 11.79% | 11.79% | 12.72% | 8.55% | $325.4M |
| Q3 2025 | 12.30% | 12.30% | 13.24% | 8.73% | $321.9M |
| Q4 2025 | 12.37% | 12.37% | 13.36% | 8.65% | $319.3M |
| Q1 2026 | 12.12% | 12.12% | 13.11% | 8.11% | $302.3M |
| Q2 2026 | 13.21% | 13.21% | 14.25% | 8.76% | $289.5M |
Paradise Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Paradise Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Paradise Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58030) · FFIEC NIC profile (RSSD 3368635)