Paragon Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Paragon Bank of Memphis, TN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.89% | 1.35% | -0.46% | 27th below |
| ROAE | 10.57% | 12.05% | -1.48% | 40th below |
| Net Interest Margin Ahead of the peer average, behind the median peer. | 3.93% | 3.90% | +0.03% | 49th below |
| Efficiency Ratio | 71.87% | 63.15% | +8.72% | 24th bottom |
| PPNR / Avg Assets | 1.19% | 1.64% | -0.45% | 28th below |
| Yield on Earning Assets | 6.24% | 5.65% | +0.59% | 78th top |
| Cost of Funds | 2.48% | 1.85% | +0.63% | 16th bottom |
| Net Interest Spread | 3.17% | 3.35% | -0.18% | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.18% | 0.92% | -0.74% | 65th above |
| NPA / Total Assets | 0.29% | 0.67% | -0.38% | 52nd above |
| NCO / Avg Loans | 0.36% | 0.14% | +0.22% | 8th bottom |
| ACL / Total Loans | 0.93% | 1.28% | -0.35% | 19th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 506.49% | 1645.62% | -1139.13% | 71st above |
| Texas Ratio | 3.16% | 7.15% | -3.99% | 52nd above |
| Provision / NCO | 3.45% | 1189.92% | -1186.47% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.27% | 20.84% | -9.57% | 10th bottom |
| Tier 1 Ratio | 11.27% | 20.87% | -9.60% | 10th bottom |
| Total Capital Ratio | 12.38% | 21.94% | -9.56% | 11th bottom |
| Leverage Ratio | 8.67% | 12.47% | -3.80% | 8th bottom |
| Equity / Assets | 8.46% | 11.67% | -3.21% | 19th bottom |
| TCE / Tangible Assets | 8.44% | 11.40% | -2.96% | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 107.09% | 78.63% | +28.46% | 5th bottom |
| Core Deposit Ratio | 81.46% | 87.10% | -5.64% | 19th bottom |
| Wholesale Funding Ratio | 5.93% | 5.11% | +0.82% | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.95% | 6.47% | -1.52% | 54th above |
| Loan Growth (Y/Y) | 9.03% | 7.64% | +1.39% | 70th above |
| Deposit Growth (Y/Y) | -1.76% | 6.03% | -7.79% | 14th bottom |
See Paragon Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Paragon Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Paragon Bank profile, how to read a UBPR, or how this data updates.