# PARAMOUNT BANK
HAZELWOOD, MO · FDIC certificate 57884 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $86.6M | |
| Deposits | $74.7M | |
| Loans and leases | $74.1M | |
| Total equity | $10.1M | |
| Loans / deposits | 98.37% (p90 of band) | 73.59% |
| Liquid assets / assets | 10.30% (p4 of band) | |
| Uninsured deposits / deposits | 22.88% (p61 of band) | 19.81% |
| Brokered deposits | 32.95% | |
| Wholesale funding | 33.76% (p99 of band) | |
| FHLB advances / assets | 0.81% | |
| Tier 1 leverage | 10.88% (p38 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | -3.93% (p1 of band) | 1.17% |
| Net interest margin | 3.31% (p22 of band) | 3.93% |
| Efficiency ratio | 148.35% (p98 of band) | |
| Noncurrent loans | 0.55% (p57 of band) | 0.36% |
| Net charge-offs (annualized) | 0.39% (p96 of band) | |
| Reserve coverage of noncurrent | 154.19% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 2.06% (p23 of band) | |
| Auto loans | $12.4M (16.72% of loans; DQ 5.14%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.3% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | charge-offs p90 |
| 2011-09 | 5 | charge-offs p90 |  |
| 2011-12 | 4 | expense ratio p90 | leverage <7%, charge-offs p90 |
| 2012-03 | 6 | charge-offs p90, deposits shrinking, assets shrinking | expense ratio p90 |
| 2012-06 | 8 | leverage <7%, expense ratio p90 |  |
| 2012-09 | 10 | capital falling, uninsured deposits leaving |  |
| 2012-12 | 9 |  | uninsured deposits leaving |
| 2013-03 | 8 |  | charge-offs p90 |
| 2013-06 | 9 | charge-offs p90 |  |
| 2013-09 | 8 |  | capital falling |
| 2013-12 | 9 | uninsured deposits leaving |  |
| 2014-03 | 7 |  | charge-offs p90, uninsured deposits leaving |
| 2014-06 | 7 | charge-offs p90 | leverage <7% |
| 2014-09 | 7 |  |  |
| 2014-12 | 6 |  | charge-offs p90 |
| 2015-03 | 7 | capital falling, uninsured deposits leaving | assets shrinking |
| 2015-06 | 5 | assets shrinking | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |
| 2015-09 | 4 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2015-12 | 4 | leverage <7% | uninsured deposits leaving |
| 2016-03 | 4 |  |  |
| 2016-06 | 2 |  | losing money, capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 4 | deposits shrinking, assets shrinking |  |
| 2017-03 | 3 |  | leverage <7% |
| 2017-06 | 6 | liquid assets <10%, losing money, uninsured deposits leaving |  |
| 2017-09 | 5 |  | liquid assets <10% |
| 2017-12 | 6 | NIM <2.5% |  |
| 2018-03 | 5 | loans exceed deposits, wholesale funding >15% | assets shrinking, losing money, NIM <2.5% |
| 2018-06 | 2 | capital falling | expense ratio p90, deposits shrinking, uninsured deposits leaving, wholesale funding >15% |
| 2018-09 | 1 |  | loans exceed deposits |
| 2018-12 | 4 | loans exceed deposits, liquid assets <10%, expense ratio p90 |  |
| 2019-03 | 5 | losing money |  |
| 2019-06 | 6 | wholesale funding >15%, uninsured deposits leaving | liquid assets <10% |
| 2019-09 | 7 | brokered >10%, NIM <2.5% | losing money |
| 2019-12 | 8 | liquid assets <10% |  |
| 2020-03 | 4 |  | capital falling, expense ratio p90, uninsured deposits leaving, liquid assets <10% |
| 2020-06 | 5 | liquid assets <10% |  |
| 2020-09 | 6 | capital falling |  |
| 2020-12 | 4 |  | liquid assets <10%, capital falling |
| 2021-03 | 4 | expense ratio p90 | loans exceed deposits |
| 2021-06 | 5 | capital falling, losing money | wholesale funding >15% |
| 2021-09 | 5 | reserve under noncurrent, assets shrinking | brokered >10%, capital falling |
| 2021-12 | 5 | deposits shrinking | reserve under noncurrent |
| 2022-03 | 7 | brokered >10%, uninsured deposits leaving |  |
| 2022-06 | 6 |  | brokered >10% |
| 2022-09 | 7 | loans exceed deposits |  |
| 2022-12 | 8 | brokered >10%, wholesale funding >15% | NIM <2.5% |
| 2023-03 | 11 | liquid assets <10%, capital falling, NIM <2.5% |  |
| 2023-06 | 10 |  | assets shrinking |
| 2023-09 | 9 | leverage <7%, assets shrinking | deposits shrinking, uninsured deposits leaving, loans exceed deposits |
| 2023-12 | 8 |  | assets shrinking |
| 2024-03 | 9 | loans exceed deposits, charge-offs p90 | capital falling |
| 2024-06 | 8 |  | leverage <7% |
| 2024-09 | 8 | uninsured deposits leaving | loans exceed deposits |
| 2024-12 | 8 | assets shrinking | charge-offs p90 |
| 2025-03 | 8 | charge-offs p90 | uninsured deposits leaving |
| 2025-06 | 8 | leverage <7%, capital falling, uninsured deposits leaving | liquid assets <10%, NIM <2.5%, charge-offs p90 |
| 2025-09 | 6 | deposits shrinking | leverage <7%, capital falling, uninsured deposits leaving |
| 2025-12 | 4 | loans exceed deposits | expense ratio p90, losing money, assets shrinking |
| 2026-03 | 5 | losing money, expense ratio p90, reserve under noncurrent | deposits shrinking, loans exceed deposits |
| 2026-06 | 6 | capital falling, charge-offs p90 | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-07-24 [Joyce named University City finance director - St. Louis American](https://news.google.com/rss/articles/CBMiowFBVV95cUxORENrSy1CQXVjSVhlcUpVdnl2R0RhQ240RGdXN1gxNnh0eFFudGhCd2dxcnQteGxwX2l6Sl9uRFZ6UkNZZ2VETmlhNDQxS2lZcm94bFRpSV9hRXU2RW5VNTZTVWxsa0FhMnJfa1FmRUZ4R3FGVy1Rc1l4NXcwVW5QUmEyT1BuY2hmMHlpQkFFdzNwdXB2NHRPV1FWM3N2ZkxjZVRV?oc=5) · St. Louis American
- 2021-02-25 [5 St. Louis-area banks rank among 10 best performers in Missouri - KSDK](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOSUJTYjRMaDlyeHdXV0w5U3ZTOTVnQ1I1MjBnZTVlVS1sbkVVWUdNY29jNW1QRm12NU4xZ1lUc05nTDB2dVphN1BlU2NzRlN5U3NGSFRaNWhsZFNVdGlxUF9sd1c4R3VuMEFGbXNoNlg1b0s5Zm5PRnpjS1o4TDNreDhtRlU4NE1HQ3dzVlZkM1JYWEx3WGY0cjBGOExqYXU4S25DcU9hVlRJMUpNd0FkeGE4bi1XQkFwV2tzSkFsZ25XZ09sZ2xOYkEwS01QYU5LdHl0LW05bVN0VmpsSVBv?oc=5) · KSDK
- 2023-05-03 [Amid national turmoil, some St. Louis banks report numbers outside norms - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNanZDVTVJUkVmSWNyU3lHZVNDeUNuWTRrQVRyeUFaVVVpcFZrZVZVTkVGT3VYTmNnTkxmUFZEdW5LNE82VTI4Nk8tSFlOei1jaUJZUGk4bnhpYXZFa0VRR3FST0ZHSWFybUplTGhDX2tSVGc3cFRMUjkybzZYYnlWT2VxZkhQYTZtU1kydkFkbmg5Y1lpUURCcWpUZ21XTHhkRXFQRUx3QnE?oc=5) · The Business Journals
- 2025-11-26 [Kenya’s Paramount Bank hits $24 million as Jim Ovia’s Zenith Bank plans buy - Billionaires.Africa](https://news.google.com/rss/articles/CBMikwFBVV95cUxPQWN4N3dlM3pWbVdDejgtUEEtTWV1UER2eERRZ0JXbFVYeXROc1FpVzNfYnpQbHdna1p5cU5nNERXaGlvV0pSQ3FZNGRaYUhMeFZCV3JHYktIeVlDQXpabGdCYVBwTnk0NzNVQXBjbTJZX2dTTkd0SGlEa3V3NENCbDlDRFhPOE1NSU5Dd1hrOEs5ek0?oc=5) · Billionaires.Africa
- 2018-01-26 [Mortgage company has big plans for tiny Paramount Bank - stltoday.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPQUlHVUc5Nk5ZUVJLSG1lOUZNYWNpY0tTUG5sUER3eHJiWmdDM3YzVXdibWNLM3RIT2RiV3Y5SUd5SmgwendFMVdvNnpqeTdBMTdFZHBaVWZ0cGNZX1hOd3dWSkJKT0lFeGlnUmtHS1pNUGxGbkE2WEJ2SlFPNWVBOHRKSjJGeGp4QW1vMmJIRTd5TW9fVEs4?oc=5) · stltoday.com
- 2022-11-16 [Home Builders Charitable Foundation celebrates silver anniversary and raises almost $4 million - Ladue News](https://news.google.com/rss/articles/CBMihAJBVV95cUxNV3dlRGRxVnYzVHVoc0VmTHBVZkNaZ1VKbGNBZ1BhSklSU21LNm9kdG16T1FFUl9GTXNUYWxwbHpPWGhENnNTSDZ5MVVZTHBBQ1p1aTVkWGZpMDhlclRlaWJiaWFOMm0zbUJiaXFYZDB6Y0Uwd1F0NWZLN2J5TGlHa3gzT1hiNFlBeXpPbTJENFFsZTZfaDdBb2lWNGQzOXBzQlNNSnVUZEtnbFJJeUhPY3E5OHNmZ1NDZHhNWEE2dHU1ejZCTE5tT25rd3F6aXg5a2FETFV6U0NMWmh5Rk9ZSGNPY0hFaWkwQXNLT01hbUI1djRIdzkzbkZQU0gwV3YzWF8xTw?oc=5) · Ladue News
- 2026-08-04 [Alpha Morgan Bank Supports Redeemer’s University Business School - Business Post Nigeria](https://news.google.com/rss/articles/CBMinAFBVV95cUxNa3FZZ1M4MUYzR3dnNE53U0FmZXkwdXFWUGtNOG4wdGxFa0NqNnZYT2dpUVZmN3ZxMkplbVh4ZlZtQmo0MFlKdFdxN0VLZ0ptb3l2Wkd0VnhDa3BEcnI3Q2ROUDN0U2hxU3RLNjJkRGpJUE9HU0pVbC1GaWxlMTZoNnFfV0NXSGl5OTdzMU9WN2xiRTMxbGRfVFd6dlg?oc=5) · Business Post Nigeria

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57884 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/28.json (key "57884", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide