Paragon 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%.
Compared with Q1 2026, Retained earnings rose 6.7% in Q2 2026 to $31.9M, the biggest move on this page. Paragon Bank ranks 63rd of 71 Tennessee banks on CET1 ratio, in the lower half at 11.27% (Q2 2026). Paragon Bank reported 11.27% on CET1 ratio for Q2 2026, 3.80 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.27% |
| Tier 1 risk-based capital ratio | 11.27% |
| Total risk-based capital ratio | 12.38% |
| Tier 1 leverage ratio | 8.67% |
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 | $79.0M |
| Tier 1 capital | $79.0M |
| Total risk-based capital | $86.7M |
| Total equity capital | $76.9M |
| Risk-weighted assets | $700.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.46% |
| Tangible equity to tangible assets | 8.44% |
| Equity capital to average assets | 8.43% |
| Internal capital growth rate | 5.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $22.4M |
| Common stock surplus | $24.8M |
| Retained earnings | $31.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.3M |
| 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 | 10.75% | 10.75% | 12.00% | 8.47% | $562.3M |
| Q4 2023 | 10.91% | 10.91% | 12.14% | 8.62% | $585.1M |
| Q1 2024 | 10.84% | 10.84% | 12.09% | 8.48% | $594.5M |
| Q2 2024 | 11.04% | 11.04% | 12.29% | 8.58% | $596.3M |
| Q3 2024 | 10.63% | 10.63% | 11.83% | 8.44% | $631.4M |
| Q4 2024 | 10.71% | 10.71% | 11.86% | 8.25% | $654.2M |
| Q1 2025 | 11.05% | 11.05% | 12.27% | 8.18% | $650.2M |
| Q2 2025 | 11.06% | 11.06% | 12.24% | 8.49% | $668.5M |
| Q3 2025 | 11.32% | 11.32% | 12.49% | 8.88% | $671.5M |
| Q4 2025 | 11.34% | 11.34% | 12.51% | 8.97% | $680.2M |
| Q1 2026 | 11.16% | 11.16% | 12.37% | 8.66% | $698.1M |
| Q2 2026 | 11.27% | 11.27% | 12.38% | 8.67% | $700.3M |
Paragon Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Paragon 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 Paragon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57874) · FFIEC NIC profile (RSSD 3288452)