Paradise Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.74 percentage points higher than in Q1 2026, at 74.82%. On return on assets, Paradise Bank ranks 3rd highest among the 79 banks headquartered in Florida, at 2.40% (Q2 2026). Paradise Bank's return on assets of 2.40% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 1.14 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.21% |
| Tier 1 risk-based capital ratio | 13.21% |
| Total risk-based capital ratio | 14.25% |
| Tier 1 leverage ratio | 8.76% |
| Equity capital to assets | 7.36% |
| Tangible equity to tangible assets | 7.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.05% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 0.46% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 1973.20% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.40% |
| Return on equity | 35.28% |
| Net interest margin | 4.95% |
| Efficiency ratio | 57.18% |
| Yield on earning assets | 6.50% |
| Cost of funds | 1.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.82% |
| Core deposits to total deposits | 92.01% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.81% |
| Securities to assets | 10.09% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.59% | 13.59% | 14.52% | 10.51% | 3.02% |
| Q4 2023 | 12.74% | 12.74% | 13.65% | 10.05% | 2.77% |
| Q1 2024 | 13.08% | 13.08% | 13.99% | 10.35% | 2.82% |
| Q2 2024 | 12.40% | 12.40% | 13.29% | 9.77% | 3.43% |
| Q3 2024 | 11.67% | 11.67% | 12.60% | 9.25% | 2.68% |
| Q4 2024 | 12.03% | 12.03% | 12.96% | 8.69% | 3.16% |
| Q1 2025 | 11.52% | 11.52% | 12.43% | 8.73% | 2.86% |
| Q2 2025 | 11.79% | 11.79% | 12.72% | 8.55% | 2.58% |
| Q3 2025 | 12.30% | 12.30% | 13.24% | 8.73% | 2.85% |
| Q4 2025 | 12.37% | 12.37% | 13.36% | 8.65% | 1.70% |
| Q1 2026 | 12.12% | 12.12% | 13.11% | 8.11% | 1.93% |
| Q2 2026 | 13.21% | 13.21% | 14.25% | 8.76% | 2.40% |
Paradise Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Paradise Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)