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-Q2

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

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q2QoQ +5

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 #3308574 2025-Q2 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 37.3% of deposits (threshold 30%).

What changed this quarter

Compared to Q1 2025:
↑ +5 ptscomposite
  • Liquidity
    ↑ +12
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -15
  • Reserves
    ↑ +41

The five pillars

Liquidity

StableQoQ +12
72
Sub-score

Liquidity is stable: brokered 37.3%, loans/deposits 86.9%, cash 12.8% of assets.

Cash / Assets
12.84%
Loans / Deposits
86.89%
Brokered %
37.33%

Watch Items

  • watchBrokered deposits above 30% — Brokered 37.3% 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 +3
39
Sub-score

Capital position is weak: Tier 1 RBC 9.57%, CET1 9.57%, leverage 6.61%.

Tier 1 RBC
9.57%
CET1
9.57%
Leverage
6.61%
No watch items at this period.

Asset Quality

StrongQoQ -15
83
Sub-score

Asset quality is strong: Adjusted NPL 0.09%, Texas Ratio 1.0%, NCO YTD 0.00%.

Adjusted NPL
0.09%
Govt-guarantees stripped
Texas Ratio
1.0%
NCO YTD
0.00%
30-89 PD
3.52%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +41
79
Sub-score

Reserves are stable: ALLL 0.87% of loans, coverage 970.7%, true coverage 970.7%.

ALLL / Loans
0.87%
Coverage
970.7%
True Loss Coverage
970.7%
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