TellerScore

Paradise Bank is a state-chartered bank (fed member) headquartered in Boca Raton, Florida, in business for about 21 years. At the end of Q2 2026 it reported $415.2M in total assets and $381.2M in deposits, with 3 offices.

Based on its Q2 2026 filing, Paradise Bank scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 18th. Its strongest component is earnings (100/100; 2.22%), and its lowest is capital cushion (38/100; 8.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Tier 1 leverage ratio: 8.76%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.05%
Earnings100/100
Return on assets (annualized): 2.22%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 74.0% · 37.3% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.46%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (73 → 75), mostly because the loan quality component improved by 6 points.

TellerScore
727578Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202478
Q3 202477
Q4 202472
Q1 202572
Q2 202573
Q3 202574
Q4 202573
Q1 202673
Q2 202675
Tier 1 leverage ratio
5.00%7.39%9.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.77%
Q3 20249.25%
Q4 20248.69%
Q1 20258.73%
Q2 20258.55%
Q3 20258.73%
Q4 20258.65%
Q1 20268.11%
Q2 20268.76%
Noncurrent loans
0.00%0.17%0.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.30%
Q1 20250.33%
Q2 20250.23%
Q3 20250.11%
Q4 20250.26%
Q1 20260.09%
Q2 20260.05%
Return on assets
1.98%2.62%3.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20243.25%
Q3 20242.94%
Q4 20243.07%
Q1 20252.86%
Q2 20252.73%
Q3 20252.80%
Q4 20252.55%
Q1 20261.98%
Q2 20262.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$415.2M8.76%0.05%2.22%74.0%
Q1 202673$444.9M8.11%0.09%1.98%72.4%
Q4 202573$435.1M8.65%0.26%2.55%77.0%
Q3 202574$439.4M8.73%0.11%2.80%78.2%
Q2 202573$453.6M8.55%0.23%2.73%76.1%
Q1 202572$446.9M8.73%0.33%2.86%79.3%
Q4 202472$413.0M8.69%0.30%3.07%76.6%
Q3 202477$468.6M9.25%0.00%2.94%70.0%
Q2 202478$380.6M9.77%0.00%3.25%76.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.76%
9th
Total risk-based capital14.25%
64th
Problem loans0.05%
78th
Net charge-offs0.09%
20th
Return on assets2.22%
92nd
Net interest margin5.02%
92nd
Efficiency ratio58.8%
61st
Loans to deposits74.0%
62nd
Uninsured deposits37.3%
14th
Loan-loss reserves1.06%
34th
Texas ratio0.5%
77th

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Waterfall BankBank Clearwater, FL61 out of 100, Moderate$409.9M12.6%0.03%vs
Locality BankBank Fort Lauderdale, FL55 out of 100, Moderate$396.2M12.9%1.55%vs
Central BankBank Tampa, FL63 out of 100, Moderate$386.8M9.1%0.04%vs
TCM Bank, National AssociationBank Tampa, FL57 out of 100, Moderate$382.4M18.3%0.93%vs
Edison National BankBank Fort Myers, FL67 out of 100, Moderate$453.7M9.0%0.00%vs
BankFloridaBank Dade City, FL75 out of 100, Strong$459.5M12.6%0.00%vs

Deposit insurance

Is my money safe at Paradise Bank?

Yes. Paradise Bank is an FDIC-insured institution (FDIC certificate #58030). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.3% of deposits ($142.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.76%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.25% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Paradise Bank lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Paradise Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
58030
RSSD ID
3368635
Primary regulator
FED
Holding company
Paradise Bcorp Inc
Established
July 25, 2005
Headquarters
3800 N Federal Hwy, Boca Raton, FL 33431
Employees
52

Quick answers

Paradise Bank: common questions

Is Paradise Bank FDIC insured?

Yes. Paradise Bank is an FDIC-insured institution (FDIC certificate #58030). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Paradise Bank's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Paradise Bank ever failed?

There is no failure record for FDIC certificate #58030 in the FDIC failed bank list.

How many branches does Paradise Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Boca Raton

InstitutionScoreAssetsCapitalProblem loansCompare
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs
Desjardins Bank, National AssociationBank Hallandale, FL84 out of 100, Strong$362.1M19.3%0.31%vs
Beal Bank USABank Las Vegas, NV80 out of 100, Strong$11.0B21.9%0.78%vs
Guardians Credit UnionCredit union West Palm Beach, FL80 out of 100, Strong$309.5M14.7%0.42%vs
Pompano Beach City Emp. Credit UnionCredit union Pompano Beach, FL80 out of 100, Strong$31.0M19.3%0.06%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs