# PARADISE BANK
BOCA RATON, FL · FDIC certificate 58030 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $415.2M | |
| Deposits | $381.2M | |
| Loans and leases | $285.2M | |
| Total equity | $30.6M | |
| Loans / deposits | 74.02% (p33 of band) | 82.04% |
| Liquid assets / assets | 22.43% (p41 of band) | |
| Uninsured deposits / deposits | 37.29% (p83 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.76% (p9 of band) | 10.81% |
| Unrealized securities loss / equity | -25.08% (p16 of band) | -8.10% |
| AOCI / equity | -0.62% (p36 of band) | |
| ROA (annualized) | 2.22% (p91 of band) | 1.28% |
| Net interest margin | 5.02% (p93 of band) | 3.91% |
| Efficiency ratio | 58.81% (p42 of band) | |
| Noncurrent loans | 0.05% (p19 of band) | 0.43% |
| Net charge-offs (annualized) | 0.07% (p79 of band) | |
| Reserve coverage of noncurrent | 1973.20% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 68.36% (p70 of band) | |
| Auto loans | $542,000 (0.19% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -9.1% | |
| Employees | 52 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 | charge-offs p90 | leverage <7% |
| 2011-09 | 1 |  | construction >100% equity, charge-offs p90 |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 2 | deposits shrinking, assets shrinking |  |
| 2012-06 | 0 |  | deposits shrinking, assets shrinking |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 2 | charge-offs p90, reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | charge-offs p90 |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 0 |  | charge-offs p90, capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 5 | construction >100% equity, deposits shrinking, assets shrinking |  |
| 2023-03 | 4 | uninsured deposits leaving | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 4 | securities losses >30% of equity | construction >100% equity |
| 2023-09 | 3 |  | uninsured deposits leaving |
| 2023-12 | 1 |  | deposits shrinking, assets shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 | capital falling | securities losses >30% of equity |
| 2024-12 | 3 | securities losses >30% of equity, construction >100% equity |  |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 1 |  | securities losses >30% of equity |
| 2025-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2025-12 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2026-03 | 3 | capital falling, charge-offs p90 |  |
| 2026-06 | 2 | deposits shrinking, assets shrinking | construction >100% equity, capital falling, charge-offs p90 |

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

- 2023-01-12 [Paradise Bank proposes new company headquarters. See where they're moving into. - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxQNWd0d1dnN3Z4TGRKb21ZN0lnQkdCa09vaWFtM19SZDR1aDFINGxwZ1Q1TUg0MVhuTDB4d0hhOGFac1RiaExoWjVPcUNiUUhBMHpYTDNFbmNFUE43S05TTG85UWpnOTQ5bHJ2ZHVQQTlSTjZteW1IVVg0Y0kxWkNaajlQSndNaXRCY3N0VURycmp3WnJrVjNLaWlxLXlUREsxUkJJ?oc=5) · The Business Journals
- 2021-08-26 [Paradise Bank - bocaratonobserver.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9nbTA2MDNwNkUteWQya1ZDOFcySmZVTDltZHoyX29LMW5meTRqaXc2a1liMThXTTJKdHlDSEFEaVhvUVRfYjJwMWFiZ1UzQXFYWHJzRVRXVk1tMGN0MGxPRUdwVdIBbkFVX3lxTE5sd1V5QWQ4WU92NU9UZlBYLUNMWGd3RnVncEJfYkFGRHN2aXpOdjZEWlU0VFF5a3UtX2JtU3oyT2tWalNHQ0JCTkxVYXdyZnBKMkN0cVpMMDlDWHRwZUhVUmplY0pjVUFWQ3BWLS1B?oc=5) · bocaratonobserver.com
- 2024-11-15 [20 community banks with highest return on average equity - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxOdFhidDlxaHMwdXFPTnZ2YS1JNk5YVUkyLVNDRlctMEprb0FEYnphSnQ2ZzhlWHU4M2k4Sm5HUmZDMWZia2Q0MzhmT2oxZjZEVG5xeVBsY0VWUG5HR3RxSHlQalo0dHB3WnoxWU9sYzdCQWRTaUVJMktHV2hUZHFSQm1XTkhCX3FIRWdnMGo2azEtaEMxbmln?oc=5) · American Banker
- 2018-05-01 [Thomas L. Gray, Jr. Obituary May 1, 2018 - Holcombe-Fisher Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE9WZEpaMEtzMktUQmNUY0FETm1KX0RHZWhaZEIyNEdGZ1o1UkZqOTZqenZ4UURYSmdBSlhRd1NVYUxTb2tCMVo3ajFuTE5UVDYydUpHbVh1a2dRZlhDSjdGT05TdTRPUFdDbEE?oc=5) · Holcombe-Fisher Funeral Home
- 2015-02-08 [How much does your banker make? - The Palm Beach Post](https://news.google.com/rss/articles/CBMimAFBVV95cUxPOHFrWjFnUS1IUG92Y0szci05MnpXdEdsYzJXakpYd1dRUkRuUGczbG5Jcm5qbnFjUlFYYkJyRVhRaUVqblBqRkxQbG9zSDY1b2t2b1N0MGVDWjlfLURkLUFSa3FpQzluQ0VyMi1zbWRYUUNSXzJLM0VJc2tJeUMxeGRaWXgxUkdUTDZFbWRLUmJYS3E1OEFWSg?oc=5) · The Palm Beach Post
- 2026-04-30 [2-for-1 Diner’s Delight books on sale - captivasanibel.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPUnR2aDc0OG0xWnV1VkJsYkpENWdnLXFjc18yd1ZRcHFCcFRmMXpsT0d4SFA1c25lYVlYX0RkSVVaZy1pMzNJZjJ6elJNOVl4bGhnbzFwcEg3ZUVvM3g2d2J2OENUNWZwQWJIMnktbHNCMWs3eUw0dlVCelRhRjNHQS0ySDZILTk3OWhj?oc=5) · captivasanibel.com
- 2014-05-08 [1st United, Palm Beach County's largest bank, acquired by New Jersey bank - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOYXktREtRM1NnOWt4c1MxWVp5cmxBSnR0QmFUVFAtdGVRVXBWWG13SHdZTUlNNDdzVUlMZjJUTV82ZWZabHl4cHFTdGllZHVFNnpfQkZFdFV3TVJUckxGODQ1NFNGUDhMU0paSkdPS3VaTFZ2U1RoRVZtUEhoMzZHRGE1Njk5dUxRdXZjd3FCMHBkbTVTSkh5cElvM1NrMTdIOHJmWjNISUY?oc=5) · The Business Journals
- 2023-08-25 [Homesafe’s Annual Charity Golf Tournament Was A Swinging Success - bocaratonobserver.com](https://news.google.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?oc=5) · bocaratonobserver.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58030 (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/46.json (key "58030", 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.

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