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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Memphis, TN · FDIC certificate #57874
PARAGON BANK is an FDIC-insured institution based in Memphis, TN (FDIC certificate #57874). In its Q3 2026 Call Report it reported total assets of $925M, total deposits of $781M and net loans of $824M. Its primary federal regulator is FDIC.
Plain-language readout
PARAGON BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $925M in Q3 2026 and were lowest at $892M in Q1 2026.
Total deposits were highest at $782M in Q1 2026 and lowest at $765M in Q2 2026.
Over the whole period total assets rose 3.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $925M | $781M | $824M | 0.91% | 10.87% | 4.01% |
| Q2 2026 | $908M | $765M | $812M | 0.90% | 10.68% | 4.00% |
| Q1 2026 | $892M | $782M | $796M | 0.91% | 10.79% | 3.97% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $7.7M | $8.5M | -$756K | -8.9% |
| 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) | $50.6M | $52.0M | -$1.5M | -2.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $47.7M | $38.7M | +$9.0M | +23.2% |
| Net loans and leases (after allowance) | $764.3M | $757.4M | +$6.9M | +0.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $14.8M | $15.3M | -$469K | -3.1% |
| Other real estate owned | $1.2M | $108K | +$1.0M | +964.8% |
| 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) | $563K | $503K | +$60K | +11.9% |
| All other assets | $21.3M | $19.8M | +$1.5M | +7.4% |
| Total assets | $908.1M | $892.3M | +$15.7M | +1.8% |
| Liabilities | ||||
| Total deposits | $765.3M | $782.2M | -$16.9M | -2.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $1.8M | $2.0M | -$204K | -10.0% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $52.0M | $19.0M | +$33.0M | +173.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $12.0M | $13.3M | -$1.2M | -9.1% |
| Total liabilities | $831.2M | $816.5M | +$14.7M | +1.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $22.4M | $22.4M | $0K | 0.0% |
| Surplus | $24.8M | $25.8M | -$959K | -3.7% |
| Retained earnings | $31.9M | $29.9M | +$2.0M | +6.7% |
| Accumulated other comprehensive income | -$2.3M | -$2.3M | -$13K | -0.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $76.9M | $75.8M | +$1.0M | +1.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.7M | $3.6M | -$982K | -27.0% |
| Adjusted nonperforming assets | $2.5M | $3.5M | -$982K | -28.1% |
| Tangible equity plus allowance | $83.9M | $83.7M | +$279K | +0.3% |
| Texas ratio (gross) | 3.17% | 4.35% | -1.18 pts | See points |
| Texas ratio (adjusted) | 2.99% | 4.18% | -1.18 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.99% | 4.34% | -1.34 pts | See points |
| Tier 1 capital to risk-weighted assets | 11.27% | 11.16% | +0.11 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 11.27% | 11.16% | +0.11 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.11% | 1.21% | -0.10 pts | See points |
| Total risk-based capital to risk-weighted assets | 12.38% | 12.37% | +0.01 pts | See points |
| Tier 1 leverage (approximate) | 8.67% | 8.66% | +0.01 pts | See points |
| Construction and land loans to total capital | 171.86% | 165.04% | +6.83 pts | See points |
| Commercial real estate to total capital | 320.53% | 327.12% | -6.58 pts | See points |
| Dividend payout, year to date | 49.37% | 49.19% | +0.18 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.99% | -4.02% | +0.03 pts | See points |
| Liquidity | ||||
| Core deposits | $623.4M | $641.3M | -$17.9M | -2.8% |
| Non-core funding | $195.8M | $162.0M | +$33.8M | +20.9% |
| Loans to core deposits | 123.82% | 119.41% | +4.41 pts | See points |
| Loans to deposits | 100.86% | 97.89% | +2.96 pts | See points |
| Brokered deposits share of deposits | 9.26% | 8.64% | +0.61 pts | See points |
| Pledged securities share of securities | 64.90% | 65.16% | -0.26 pts | See points |
| Loans pledged, share of loans | 25.92% | 25.06% | +0.86 pts | See points |
| Volatile liabilities | $195.8M | $162.0M | +$33.8M | +20.9% |
| Earnings | ||||
| Earnings before provision, year to date | $5.4M | $2.7M | +$2.7M | +101.0% |
| Earnings before provision, single quarter | $2.7M | $2.7M | +$27K | +1.0% |
| Provision for credit losses, year to date | $25K | $0K | +$25K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.49% | 6.38% | +0.12 pts | See points |
| Yield on interest-bearing balances due from banks | 3.91% | 3.07% | +0.84 pts | See points |
| Total interest income to average assets | 6.07% | 6.00% | +0.07 pts | See points |
| Cost of interest-bearing transaction accounts | 2.26% | 2.21% | +0.05 pts | See points |
| Cost of savings and money market deposits | 2.60% | 2.57% | +0.03 pts | See points |
| Cost of time deposits | 3.84% | 3.89% | -0.05 pts | See points |
| Total interest expense to average assets | 2.25% | 2.24% | +0.01 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 | $925M | $781M | $824M | 0.91% | 10.87% | 4.01% |
| 2026-06-30 | $908M | $765M | $812M | 0.90% | 10.68% | 4.00% |
| 2026-03-31 | $892M | $782M | $796M | 0.91% | 10.79% | 3.97% |
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 |
|---|---|---|---|---|
| TN | $641.6M | 0.27% | 60 | Continuing · +0.02 pp |
| NC | $77.1M | 0.01% | 62 | Continuing · +0.00 pp |
| MS | $46M | 0.06% | 75 | Continuing · +0.03 pp |
| GA | $14.4M | 0.00% | 181 | Continuing · +0.00 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.