BlastPoint's Banking Scorecard
Paragon Bank
Community
Specialty: Commercial
TN
FDIC cert 57874
Memphis, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Paragon Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 48% in Community
- - Loan-to-Deposit Ratio 22.49% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$888.6M
+1.7% YoY
+5.0% QoQ
|
-$502.9M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$796.3M
+2.3% YoY
+7.2% QoQ
|
-$179.2M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$754.4M
-2.1% YoY
-0.4% QoQ
|
-$410.2M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
0.95%
+48.3% YoY
-0.2% QoQ
|
-0.22% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
4.00%
+8.8% YoY
+0.6% QoQ
|
+0.33% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
70.35%
-10.5% YoY
+0.0% QoQ
|
+7.72% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
0.27%
-15.6% YoY
-9.5% QoQ
|
-0.36% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
105.56%
+4.5% YoY
+7.6% QoQ
|
+22.49% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.80%
-1.4% YoY
-4.6% QoQ
|
-3.25% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.24%
-15.0% YoY
-7.7% QoQ
|
-0.26% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
11.34%
+5.9% YoY
+0.2% QoQ
|
+1.09% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.42%
+9.0% YoY
+22.6% QoQ
|
-0.32% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Deposit Outflow
decline
#119 of 248 · Bottom 48% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Loan-to-Deposit Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
105.56%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
70
70th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.66%
64
64th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
57
57th pctile
Total Loans
Current: $796.3M · Tier avg: $975.5M
43
43th pctile
Total Deposits
Current: $754.4M · Tier avg: $1.2B
42
42th pctile
Total Assets
Current: $888.6M · Tier avg: $1.4B
40
40th pctile
Tier 1 Capital Ratio
Current: 11.34% · Tier avg: 10.24%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.80% · Tier avg: 21.05%
38
38th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
35
35th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.16%
26
26th pctile
Efficiency Ratio
Current: 70.35% · Tier avg: 62.63%
6
6th pctile
Loan-to-Deposit Ratio
Current: 105.56% · Tier avg: 83.06%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 105.56% · Tier avg: 83.06%
26
26th pctile
Efficiency Ratio
Current: 70.35% · Tier avg: 62.63%
35
35th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.16%
38
38th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.80% · Tier avg: 21.05%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.34% · Tier avg: 10.24%
42
42th pctile
Total Assets
Current: $888.6M · Tier avg: $1.4B
43
43th pctile
Total Deposits
Current: $754.4M · Tier avg: $1.2B
57
57th pctile
Total Loans
Current: $796.3M · Tier avg: $975.5M
60
60th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
64
64th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
70
70th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.66%