Paramount Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) climbed 41.09 percentage points in Q2 2026, from 120.53% to 161.62%. It was the largest change from Q1 2026 among the key lines here. Paramount Bank ranks 25th of 191 Missouri banks on loan-to-deposit ratio, in the upper half at 99.21% (Q2 2026). Paramount Bank reported 99.21% on loan-to-deposit ratio for Q2 2026, 31.89 points above the 67.32% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $74.1M |
| Net loans and leases | $73.5M |
| Loans held for sale | $16.4M |
| Loans to total assets | 85.62% |
| Loan-to-deposit ratio | 99.21% |
| Net loans to equity capital | 7.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.93% |
| Multifamily (5+ residential) | 3.74% |
| Commercial and industrial | 8.77% |
| Consumer | 18.39% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 161.62% |
| Construction concentration (Tier 1 capital + allowance) | 2.07% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.49% |
| Interest income on loans | $1.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $69.3M | $75.1M | 13.18% | 8.46% | 5.07% |
| Q4 2023 | $78.6M | $81.0M | 12.51% | 8.38% | 4.48% |
| Q1 2024 | $78.2M | $68.9M | 12.49% | 6.71% | 4.36% |
| Q2 2024 | $85.7M | $76.6M | 11.37% | 6.59% | 4.08% |
| Q3 2024 | $80.8M | $84.2M | 12.18% | 7.45% | 2.86% |
| Q4 2024 | $73.5M | $77.9M | 12.02% | 7.49% | 2.90% |
| Q1 2025 | $70.1M | $73.4M | 13.67% | 7.66% | 3.26% |
| Q2 2025 | $64.6M | $73.7M | 14.51% | 7.48% | 5.53% |
| Q3 2025 | $62.1M | $76.1M | 14.90% | 7.54% | 7.75% |
| Q4 2025 | $70.8M | $69.1M | 13.55% | 8.89% | 10.94% |
| Q1 2026 | $73.3M | $76.2M | 12.11% | 8.80% | 13.37% |
| Q2 2026 | $74.1M | $74.7M | 14.93% | 8.77% | 18.39% |
Paramount Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Paramount Bank, freeSource: Call Report Schedule RC-C, 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 Paramount Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57884) · FFIEC NIC profile (RSSD 3308574)