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Paramount Bank

IDRSSD: 3308574
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
52
/ 100
WatchAs of 2023-Q4QoQ -23

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

Quarterly Headline

2023-Q4

Bank #3308574 2023-Q4 Vital Signs Score: 52/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 19.0% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 19.0% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.29% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -23 ptscomposite
  • Liquidity
    ↓ -12
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -46
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -12
59
Sub-score

Liquidity is deteriorating: brokered 37.2%, loans/deposits 95.5%, cash 6.5% of assets.

Cash / Assets
6.48%
Loans / Deposits
95.47%
Brokered %
37.17%

Watch Items

  • watchBrokered deposits above 30% — Brokered 37.2% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

RiskQoQ -6
32
Sub-score

Capital position is weak: Tier 1 RBC 8.60%, CET1 8.60%, leverage 6.16%.

Tier 1 RBC
8.60%
CET1
8.60%
Leverage
6.16%
No watch items at this period.

Asset Quality

WatchQoQ -46
54
Sub-score

Asset quality is deteriorating: Adjusted NPL 6.29%, Texas Ratio 75.8%, NCO YTD 0.00%.

Adjusted NPL
6.29%
Govt-guarantees stripped
Texas Ratio
75.8%
NCO YTD
0.00%
30-89 PD
0.32%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.29% (govt-guarantees stripped).
  • watchTexas Ratio above 50% — Texas Ratio 75.8% (industry watch band 50% / risk band 100%).

Reserves

Risk
23
Sub-score

Reserves are weak: ALLL 1.18% of loans, coverage 19.0%, true coverage 19.0%.

ALLL / Loans
1.18%
Coverage
19.0%
True Loss Coverage
19.0%

Watch Items

  • riskALLL / NPL below 50% — Coverage 19.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 19.0% (Adjusted NPL + Performing Mods denominator).

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 05:44:49 UTC