Paragon 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.
Reserve coverage of non-performing loans climbed 262.48 percentage points in Q2 2026, from 244.01% to 506.49%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Paragon Bank is 76th of 109 on return on assets, 0.89% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Paragon Bank sits 0.37 points lower, at 0.89% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.27% |
| Tier 1 risk-based capital ratio | 11.27% |
| Total risk-based capital ratio | 12.38% |
| Tier 1 leverage ratio | 8.67% |
| Equity capital to assets | 8.46% |
| Tangible equity to tangible assets | 8.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.18% |
| Non-performing assets ratio | 0.29% |
| Net charge-off ratio | 0.36% |
| Texas ratio | 3.16% |
| Allowance for credit losses to loans | 0.93% |
| Reserve coverage of non-performing loans | 506.49% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.89% |
| Return on equity | 10.57% |
| Net interest margin | 3.93% |
| Efficiency ratio | 71.87% |
| Yield on earning assets | 6.24% |
| Cost of funds | 2.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.09% |
| Core deposits to total deposits | 81.46% |
| Brokered deposits to total deposits | 9.26% |
| Deposits to assets | 84.28% |
| Securities to assets | 5.57% |
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 | 10.75% | 10.75% | 12.00% | 8.47% | 0.53% |
| Q4 2023 | 10.91% | 10.91% | 12.14% | 8.62% | 0.31% |
| Q1 2024 | 10.84% | 10.84% | 12.09% | 8.48% | 0.41% |
| Q2 2024 | 11.04% | 11.04% | 12.29% | 8.58% | 0.66% |
| Q3 2024 | 10.63% | 10.63% | 11.83% | 8.44% | 0.65% |
| Q4 2024 | 10.71% | 10.71% | 11.86% | 8.25% | 0.83% |
| Q1 2025 | 11.05% | 11.05% | 12.27% | 8.18% | 0.95% |
| Q2 2025 | 11.06% | 11.06% | 12.24% | 8.49% | 0.93% |
| Q3 2025 | 11.32% | 11.32% | 12.49% | 8.88% | 0.95% |
| Q4 2025 | 11.34% | 11.34% | 12.51% | 8.97% | 0.97% |
| Q1 2026 | 11.16% | 11.16% | 12.37% | 8.66% | 0.90% |
| Q2 2026 | 11.27% | 11.27% | 12.38% | 8.67% | 0.89% |
Paragon Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Paragon 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 Paragon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57874) · FFIEC NIC profile (RSSD 3288452)