Visbanking Logo
Skip to main content

Paramount Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2025-Q1QoQ -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-Q1

Bank #3308574 2025-Q1 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 37.5% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ -4
59
Sub-score

Liquidity is deteriorating: brokered 37.5%, loans/deposits 94.6%, cash 6.3% of assets.

Cash / Assets
6.27%
Loans / Deposits
94.63%
Brokered %
37.45%

Watch Items

  • watchBrokered deposits above 30% — Brokered 37.5% 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 -2
35
Sub-score

Capital position is weak: Tier 1 RBC 9.11%, CET1 9.11%, leverage 7.04%.

Tier 1 RBC
9.11%
CET1
9.11%
Leverage
7.04%
No watch items at this period.

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.13%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.13%
30-89 PD
0.46%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -1
38
Sub-score

Reserves are weak: ALLL 0.88% of loans.

ALLL / Loans
0.88%
Coverage
—
True Loss Coverage
—
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 05:44:49 UTC