Visbanking Logo
Skip to main content

Paragon Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2025-Q4QoQ -2

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

Quarterly Headline

2025-Q4

Bank #3288452 2025-Q4 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.98% of assets (threshold 3%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.6% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -2

The five pillars

Liquidity

WatchQoQ -6
56
Sub-score

Liquidity is deteriorating: brokered 9.2%, loans/deposits 105.6%, cash 1.0% of assets.

Cash / Assets
0.98%
Loans / Deposits
105.56%
Brokered %
9.24%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.6% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.98% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.25%
No watch items at this period.

Capitalization

StableQoQ +1
68
Sub-score

Capital position is stable: Tier 1 RBC 11.34%, CET1 11.34%, leverage 8.97%.

Tier 1 RBC
11.34%
CET1
11.34%
Leverage
8.97%
No watch items at this period.

Asset Quality

StrongQoQ -3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.27%, Texas Ratio 2.5%, NCO YTD -0.01%.

Adjusted NPL
0.27%
Govt-guarantees stripped
Texas Ratio
2.5%
NCO YTD
-0.01%
30-89 PD
0.73%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -2
85
Sub-score

Reserves are strong: ALLL 1.04% of loans, coverage 394.1%, true coverage 369.0%.

ALLL / Loans
1.04%
Coverage
394.1%
True Loss Coverage
369.0%
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