Paragon Bank (FDIC #57874): Bank Stress & Real-Estate Credit Exposure
Paragon Bank (FDIC Cert #57874): bank stress 78/100, severe, STABLE over 7 days; parent PARAGON FINL SOLUTIONS INC.
Paragon Bank (#57874) lends in 5 counties across 4 states; Paragon Bank (#57874) reaches 125 ZIP codes: Tennessee 2 counties, 54 ZIPs; Georgia 1 county, 48 ZIPs; Mississippi 1 county, 13 ZIPs; North Carolina 1 county, 10 ZIPs.
Paragon Bank (#57874) largest markets: Fulton County, GA (48 branches, 48 ZIPs) (#57874), Shelby County, TN (164 branches, 41 ZIPs) (#57874), Lafayette County, MS (26 branches, 13 ZIPs) (#57874), Madison County, TN (13 branches, 13 ZIPs) (#57874), New Hanover County, NC (10 branches, 10 ZIPs) (#57874).
Paragon Bank (#57874) reports $908.1 million in total assets; Paragon Bank (#57874) equity $76.9 million (8.5% of Paragon Bank (#57874) assets); Paragon Bank (#57874) domestic deposits $765.3 million; Paragon Bank (#57874) net income $4.1 million; Paragon Bank (#57874) return on assets 0.90%; Paragon Bank (#57874) return on equity 10.68%; Paragon Bank (#57874) net interest income $17.2 million; Paragon Bank (#57874) call report June 30, 2026.
Paragon Bank (#57874) noncurrent real-estate loans 0.23% of its book; Paragon Bank (#57874) net charge-offs on real estate 0.23%; Paragon Bank (#57874) residential charge-offs 0.29%.
Paragon Bank (#57874) net interest margin 4.00% against an eight-quarter Paragon Bank (#57874) average of 3.88% (Paragon Bank (#57874) compression -0.13 points); Paragon Bank (#57874) real-estate loans 23.0% of equity; Paragon Bank (#57874) non-residential real estate 28.8% of equity; Paragon Bank (#57874) rate-exposure score 40/100, Paragon Bank (#57874) fixed-rate trap 40/100; Paragon Bank (#57874) risk type credit driven; Paragon Bank (#57874) rate regime rates elevated, Paragon Bank (#57874) snapshot October 19, 2026.
Paragon Bank (#57874) stress score moved from 76 on June 22, 2026 to 77.9 on October 19, 2026; Paragon Bank (#57874) ranged 76 to 77.9 over 116 snapshots.
Paragon Bank (#57874) alerts: 5 counties; top Paragon Bank (#57874) alert scores: Jackson County, TN 39 (moderate); Atlanta County, TN 25 (low); Memphis County, TN 25 (low); Oxford County, TN 25 (low); Wilmington County, TN 25 (low).