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Paramount Bank

IDRSSD: 3308574
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
83
/ 100
StrongAs of 2025-Q4QoQ -8

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 #3308574 2025-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 35.5% of deposits (threshold 30%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.7% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↓ -8 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -15
  • Reserves
    ↓ -16

The five pillars

Liquidity

StableQoQ -10
64
Sub-score

Liquidity is stable: brokered 35.5%, loans/deposits 101.7%, cash 10.6% of assets.

Cash / Assets
10.65%
Loans / Deposits
101.66%
Brokered %
35.54%

Watch Items

  • watchBrokered deposits above 30% — Brokered 35.5% of deposits (threshold 30%).
  • infoLoans / Deposits above 100% — Loans/Deposits 101.7% (threshold 100%).

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

StrongQoQ +1
100
Sub-score

Capital position is strong: Tier 1 RBC 18.07%, CET1 18.07%, leverage 13.03%.

Tier 1 RBC
18.07%
CET1
18.07%
Leverage
13.03%
No watch items at this period.

Asset Quality

StrongQoQ -15
81
Sub-score

Asset quality is strong: Adjusted NPL 0.68%, Texas Ratio 4.1%, NCO YTD 0.00%.

Adjusted NPL
0.68%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
0.00%
30-89 PD
4.43%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -16
65
Sub-score

Reserves are stable: ALLL 0.89% of loans, coverage 132.1%, true coverage 132.1%.

ALLL / Loans
0.89%
Coverage
132.1%
True Loss Coverage
132.1%
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