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Paragon Bank

IDRSSD: 3288452
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q2QoQ +6

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #3288452 2025-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.96% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↑ +6 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +17
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ +8
61
Sub-score

Liquidity is stable: brokered 15.3%, loans/deposits 95.4%, cash 3.0% of assets.

Cash / Assets
2.96%
Loans / Deposits
95.43%
Brokered %
15.31%

Watch Items

  • infoCash / Assets below 3% — Cash 2.96% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.99%
No watch items at this period.

Capitalization

StableQoQ +1
63
Sub-score

Capital position is stable: Tier 1 RBC 11.06%, CET1 11.06%, leverage 8.49%.

Tier 1 RBC
11.06%
CET1
11.06%
Leverage
8.49%
No watch items at this period.

Asset Quality

StrongQoQ +17
100
Sub-score

Asset quality is strong: Adjusted NPL 0.30%, Texas Ratio 2.7%, NCO YTD 0.01%.

Adjusted NPL
0.30%
Govt-guarantees stripped
Texas Ratio
2.7%
NCO YTD
0.01%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +2
87
Sub-score

Reserves are strong: ALLL 1.10% of loans, coverage 373.8%, true coverage 347.4%.

ALLL / Loans
1.10%
Coverage
373.8%
True Loss Coverage
347.4%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 05:42:08 UTC