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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Boca Raton, FL · FDIC certificate #58030
PARADISE BANK is an FDIC-insured institution based in Boca Raton, FL (FDIC certificate #58030). In its Q3 2026 Call Report it reported total assets of $394M, total deposits of $359M and net loans of $276M. Its primary federal regulator is FED.
Plain-language readout
PARADISE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $445M in Q1 2026 and were lowest at $394M in Q3 2026.
Total deposits were highest at $413M in Q1 2026 and lowest at $359M in Q3 2026.
Over the whole period total assets fell 11.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $394M | $359M | $276M | 2.32% | 32.08% | 5.18% |
| Q2 2026 | $415M | $381M | $282M | 2.22% | 31.51% | 5.02% |
| Q1 2026 | $445M | $413M | $299M | 1.98% | 28.70% | 4.89% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $51.2M | $62.6M | -$11.4M | -18.2% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $41.9M | $43.0M | -$1.0M | -2.4% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $282.2M | $298.8M | -$16.7M | -5.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $27.7M | $28.0M | -$302K | -1.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $1.3M | $1.2M | +$32K | +2.6% |
| All other assets | $10.9M | $11.2M | -$286K | -2.6% |
| Total assets | $415.2M | $444.9M | -$29.7M | -6.7% |
| Liabilities | ||||
| Total deposits | $381.2M | $413.1M | -$31.9M | -7.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.4M | $3.0M | +$420K | +13.9% |
| Total liabilities | $384.6M | $416.1M | -$31.4M | -7.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $12.1M | $12.1M | $0K | 0.0% |
| Surplus | $21.6M | $21.6M | $0K | 0.0% |
| Retained earnings | $4.5M | $2.9M | +$1.6M | +55.8% |
| Accumulated other comprehensive income | -$7.7M | -$7.8M | +$171K | +2.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $30.6M | $28.8M | +$1.8M | +6.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $153K | $277K | -$124K | -44.8% |
| Adjusted nonperforming assets | $153K | $277K | -$124K | -44.8% |
| Tangible equity plus allowance | $32.3M | $30.6M | +$1.8M | +5.8% |
| Texas ratio (gross) | 0.47% | 0.91% | -0.43 pts | See points |
| Texas ratio (adjusted) | 0.47% | 0.91% | -0.43 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.47% | 0.91% | -0.43 pts | See points |
| Tier 1 capital to risk-weighted assets | 13.21% | 12.12% | +1.09 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 13.21% | 12.12% | +1.09 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.04% | 0.99% | +0.05 pts | See points |
| Total risk-based capital to risk-weighted assets | 14.25% | 13.11% | +1.14 pts | See points |
| Tier 1 leverage (approximate) | 8.76% | 8.11% | +0.65 pts | See points |
| Construction and land loans to total capital | 50.65% | 74.51% | -23.86 pts | See points |
| Commercial real estate to total capital | 91.95% | 120.05% | -28.10 pts | See points |
| Dividend payout, year to date | 126.29% | 231.48% | -105.19 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -20.05% | -21.40% | +1.35 pts | See points |
| Liquidity | ||||
| Core deposits | $350.8M | $376.7M | -$25.9M | -6.9% |
| Non-core funding | $30.4M | $36.4M | -$5.9M | -16.3% |
| Loans to core deposits | 81.31% | 80.13% | +1.18 pts | See points |
| Loans to deposits | 74.82% | 73.08% | +1.74 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.29% | -0.29 pts | See points |
| Pledged securities share of securities | 39.21% | 39.22% | -0.01 pts | See points |
| Loans pledged, share of loans | 12.62% | 12.67% | -0.05 pts | See points |
| Volatile liabilities | $51.4M | $69.5M | -$18.1M | -26.0% |
| Earnings | ||||
| Earnings before provision, year to date | $4.8M | $2.2M | +$2.6M | +120.0% |
| Earnings before provision, single quarter | $2.6M | $2.2M | +$436K | +20.0% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 7.74% | 7.62% | +0.13 pts | See points |
| Yield on interest-bearing balances due from banks | 3.77% | 3.73% | +0.04 pts | See points |
| Total interest income to average assets | 5.92% | 5.90% | +0.03 pts | See points |
| Cost of interest-bearing transaction accounts | 1.26% | 1.15% | +0.11 pts | See points |
| Cost of savings and money market deposits | 2.09% | 2.13% | -0.05 pts | See points |
| Cost of time deposits | 3.84% | 4.00% | -0.16 pts | See points |
| Total interest expense to average assets | 1.42% | 1.59% | -0.18 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $394M | $359M | $276M | 2.32% | 32.08% | 5.18% |
| 2026-06-30 | $415M | $381M | $282M | 2.22% | 31.51% | 5.02% |
| 2026-03-31 | $445M | $413M | $299M | 1.98% | 28.70% | 4.89% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| FL | $419.5M | 0.05% | 93 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.