BlastPoint's Banking Scorecard
Paramount Bank
Micro
Specialty: Mortgage
MO
FDIC cert 57884
Designations: ✓ Community bank
Hazelwood, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Paramount Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 27.13% above tier
- + Non-Interest Income / Assets 10.43% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.21% below tier
- - Efficiency Ratio 22.37% above tier
- - Non-Interest-Bearing Deposit Share 17.11% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$83.5M
-2.4% YoY
-3.2% QoQ
|
-$134.0M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$70.2M
-3.7% YoY
+14.0% QoQ
|
-$69.0M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$69.1M
-11.3% YoY
-9.3% QoQ
|
-$114.6M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
1.35%
+115.1% YoY
+145.4% QoQ
|
+0.27% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
2.64%
+23.3% YoY
+5.0% QoQ
|
-1.21% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
90.09%
-41.2% YoY
-33.1% QoQ
|
+22.37% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.68%
+100.7% QoQ
|
+0.04% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
101.66%
+8.7% YoY
+25.7% QoQ
|
+27.13% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.28%
+44.3% YoY
+22.8% QoQ
|
-17.11% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
1.13%
-6.7% YoY
+44.2% QoQ
|
+0.68% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
18.07%
+95.5% YoY
+23.4% QoQ
|
+9.22% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
10.99%
+44.8% YoY
+128.8% QoQ
|
+10.43% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
101.66%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
10.99%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (3)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.64%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
90.09%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
5.28%
(Tier avg: 22.39%, National avg: 21.79%)
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
100
100th pctile
Non-Interest Income / Assets
Current: 10.99% · Tier avg: 0.56%
93
93th pctile
Loan-to-Deposit Ratio
Current: 101.66% · Tier avg: 74.53%
82
82th pctile
Tier 1 Capital Ratio
Current: 18.07% · Tier avg: 8.85%
68
68th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.08%
39
39th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.64%
29
29th pctile
Total Loans
Current: $70.2M · Tier avg: $139.2M
17
17th pctile
Total Deposits
Current: $69.1M · Tier avg: $183.7M
17
17th pctile
Total Assets
Current: $83.5M · Tier avg: $217.5M
17
17th pctile
Nonperforming Asset Ratio
Current: 1.13% · Tier avg: 0.45%
9
9th pctile
Efficiency Ratio
Current: 90.09% · Tier avg: 67.73%
7
7th pctile
Net Interest Margin
Current: 2.64% · Tier avg: 3.85%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 5.28% · Tier avg: 22.39%
Top Weaknesses
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 5.28% · Tier avg: 22.39%
7
7th pctile
Net Interest Margin
Current: 2.64% · Tier avg: 3.85%
9
9th pctile
Efficiency Ratio
Current: 90.09% · Tier avg: 67.73%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.13% · Tier avg: 0.45%
17
17th pctile
Total Assets
Current: $83.5M · Tier avg: $217.5M
17
17th pctile
Total Deposits
Current: $69.1M · Tier avg: $183.7M
29
29th pctile
Total Loans
Current: $70.2M · Tier avg: $139.2M
39
39th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.64%
68
68th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.08%
82
82th pctile
Tier 1 Capital Ratio
Current: 18.07% · Tier avg: 8.85%
93
93th pctile
Loan-to-Deposit Ratio
Current: 101.66% · Tier avg: 74.53%
100
100th pctile
Non-Interest Income / Assets
Current: 10.99% · Tier avg: 0.56%