Paragon Financial Solutions, Inc. (tn) · OTC:PGNN
Paragon Financial Solutions, Inc. (tn) — Paragon Financial Solutions — Shareholder Meeting (May 2025)
94 slides from Paragon Financial Solutions, Inc. (tn)'s shareholder meeting presentation, May 22, 2025
Slide 1: 2025 Shareholder Meeting
2025 Shareholder Meeting May 22, 2025
Slide 2: Call to Order and Welcome
Call to Order and Welcome Craig Weiss Chairman of the Board
Slide 3: Invocation
Invocation J.T. Novarese Board of Directors
Slide 4: Business Meeting
Business Meeting Robert Shaw President and CEO
Slide 5: Paragon’s Board of Directors
Paragon’s Board of Directors • Napoleon L. (Nap) Cassibry, III • Christian John (Chris) Saenger • James F. Freeman, M.D. • Robert S. Shaw, Jr. • Scott A. Hauss • Pete A. Stark • Lawrence (Larry) M. Magdovitz, II • Anita S. Vaughan • Mary H. McDaniel • Craig L. Weiss, Chair • John T. (J.T.) Novarese,
Slide 6: Paragon’s Executive Team
Paragon’s Executive Team • Robert Shaw – President and Chief Executive Officer • Andy Taylor – Executive Vice President, Chief Banking Officer • Marshall Talley – Executive Vice President, Chief Credit Officer • Lewis Perkins – Executive Vice President, Chief Financial Officer
Slide 7: Business Meeting
Business Meeting • Procedural Details • Proof of Notice of Meeting • Report on Quorum; Proxies • Proposals and Discussions
Slide 8: Two Items of Business
Two Items of Business • Election of Directors: The Board recommends the following nominees: Class B Directors: • Lawrence (Larry) M. Magdovitz • Mary H. McDaniel • Anita S. Vaughn • Craig L. Weiss Class A Director: • Scott A. Hauss
Slide 9: Two Items of Business
Two Items of Business • Ratification of Independent Auditor: The Board recommends ratification of Reynolds Bone & Griesbeck, PLC VOTE
Slide 10: Voting Results
Voting Results • Procedural Details • Proof of Notice of Meeting • Report on Quorum; Proxies • Proposals and Discussions Business Meeting Adjournment
Slide 11: Management Discussion of Results
Management Discussion of Results
Slide 12: 2024 Strategic Priorities
2024 Strategic Priorities Continue to grow our deposit base Retain liquidity sources Continue to make prudent loan decisions Maintain healthy levels of capital Complete Additional groundwork projects • Find a long-term location for our Jackson and Nashville teams • Convert our online and mobile bank
Slide 13: Continuing the Groundwork for Growth
Continuing the Groundwork for Growth
Slide 14: 2024 Groundwork Timeline
2024 Groundwork Timeline January • New Jackson, TN team joins Paragon February • Paragon hosts Grand Opening for its new Atlanta, GA Banking Center • Paragon’s Capital Markets Division purchases first SBA loan to begin assembling loan pools
Slide 15: Paragon Capital Markets
Paragon Capital Markets SBA Licensed Pool Assembler Example Transaction Community Bank $300k at WSJ + 2.5 % Purchased at 10% of Denver Premium SBA Loan Originator These Banks Sell the Guaranteed $300k at WSJ + 2 % Portion of Paragon Purchased Holds Loans at 9% until Individual Premium Pool is Formed
Slide 16: Paragon Capital Markets
Paragon Capital Markets Risks Premium Risk – Early Payoffs/Defaults Benefits Asset growth is scalable Above average yield vs. treasuries and mortgage-backed securities Zero credit risk – underlying loans are government guaranteed Low interest rate risk – variable rate Liquidity – loans and securitie
Slide 17: 2024 Groundwork Timeline
2024 Groundwork Timeline March • A temporary Loan Production and Deposit Production office is opened in Jackson, TN April • New Nashville, TN team joins Paragon Bank May • A new enhanced online banking platform, Banno, is launched
Slide 18: Welcome to Banking Made Easier
Welcome to Banking Made Easier Introducing Paragon’s NEW online and mobile banking platform: Banno
Slide 19: 2024 Groundwork Timeline
2024 Groundwork Timeline March • A temporary Loan Production and Deposit Production office is opened in Jackson, TN April • New Nashville, TN team joins Paragon Bank May • A new enhanced online June banking platform, Banno, is • A new private banking suite of launched products is introduced
Slide 20: Introducing: Prestige Checking
Introducing: Prestige Checking A new Private Banking Checking Account • Uniquely for Doctors, Dentists, Physician Assistants, Pharmacists, Optometrists, Licensed Attorneys, C.P.A.s , or Customers with joint annual AGI of $350,000+ or joint liquid assets of $500,000+
Slide 21: 2024 Groundwork Timeline
2024 Groundwork Timeline August • Paragon’s Nashville team moves into new temporary space in Cool Springs 830 Crescent Centre Drive, Suite 460 Franklin, TN 37067
Slide 22: 2025 Groundwork Timeline
2025 Groundwork Timeline January • Paragon celebrates its 20th Anniversary as a bank! March • Paragon hosts its 20th Anniversary Celebration!
Slide 23: 2025 Groundwork Timeline
2025 Groundwork Timeline March • Paragon’s Jackson, TN team moves into their new Banking Center 1348 Union University Drive, Suite D Jackson, TN 38305
Slide 24: Our NEW Jackson, TN Banking Center
Our NEW Jackson, TN Banking Center Ribbon Cutting/Grand Opening Event: August 28, 2025
Slide 25: Paragon’s Footprint
Paragon’s Footprint 20.86% in 10 years 17.86% in 10 years Nashville, TN Wilmington, NC UNashville Wackson fgMemph s = Oxford 15.15% in 10 years 14.91% in 10 years Atlanta, GA Oxford, MS 4.59% in 10 years 2.48% in 10 years Jackson, TN Memphis, TN
Slide 26: Commitment to Our Communities
COMMITMENT TO OUR COMMUNITIES
Slide 27: ACTS Hours by Year: 19,769 since 2008!
ACTS Hours by Year: 19,769 since 2008! 3000 2,672 2500 2,339 2000 1,922 1,814 1,636 1,480 1,531 1500 1,272 1,129 1000 940 600 506 500 444 0 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Slide 28: Organizations served in all 4 markets
89 95.8% 2,672* 23.4 Organizations Team Paragon Total number of Average number of served in all 4 served a community ACTS hours served hours served by markets shift in 2024 in 2024 each team member Up 11% from 2023 Up 2.4% from 2023 Up 14% from 2023 Equal to 2023 *A new service record!
Slide 29: Culture
CULTURE
Slide 30: Trifecta: Seven Years in a Row!
Trifecta: Seven Years in a Row!
Slide 31: Ranked the #9 Bank in the U.S.!
Ranked the #9 Bank in the U.S.! 2024 #9 in the U.S. 2023 #13 in the U.S. 2022 #4 in the U.S. 2021 #10 in the U.S. 2020 #5 in the U.S. 2019 #10 in the U.S. 2018 #33 in the U.S.
Slide 32: Team Culture Recognition
Team Culture Recognition Historical Awards American Banker Memphis Business Journal Memphis Commercial Appeal Best Banks To Work For Best Places to Work Top Workplaces 2024 #9 in the U.S. 2024 Finalist 2024 Finalist 2023 #13 in the U.S. 2023 Finalist 2023 Finalist 2022 #4 in the U.S. 2022 Finalist 2
Slide 33: Financial Results
Financial Results PARAGON FINANCIAL SOLUTIONS
Slide 34: Prime Rate
Prime Rate 9.00% 8.00% 8.50% 8.25% 8.00% 8.00% 7.75% 7.75% 7.00% 7.50% 7.50% 7.00% 6.00% 6.25% 5.00% 5.50% 4.75% 4.00% 4.00% 3.00% 3.50%
Slide 35: Revenue Producers
Revenue Producers Relationship Managers and Mortgage Consultants 40 35 34 30 30 26 25 24 20 20 18 15 10 5 0 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Slide 36: Deposits
DEPOSITS
Slide 37: Total Deposits
Total Deposits Deposits! Deposits! Deposits! (end of period in millions) 900 15% 770 774 800 18% 670 700 18% 566 600 13% 480 500 23% 424 400 343 346 302 300 200 100 0 2017 2018 2019 2020 2021 2022 2023 2024 1Q25
Slide 38: Deposit Mix
Deposit Mix (end of period in millions) 670 770 774 566 133 136 700 480 119 7 8 600 7 191 189 159 162 500 166 11 400 132 169 179 9 155 300 147 129 96 115 74 200 112 35 153 173 147 100 27 100 0 20 2021 2022 2023 2024 1Q25 BROKERED CD'S MMDA NOW SAV DDA
Slide 39: Core Deposits
Core Deposits (end of period in millions) 20% annualized 15% 627 700 11% 597 600 517 460 466 500 395 400 300 200 100 0 2020 2021 2022 2023 2024 1Q25
Slide 40: Core Deposits by State
Core Deposits by State (As of March 31, 2025) MS, 7.09% GA, 2.06% NC, 11.86% TN, 78.98%
Slide 41: Insured Deposit Ratio
Insured Deposit Ratio 100% 84.30% 83.50% 81.10% 78.70% 78.80% 81.70% 73.40% 80% 60% 40% 20% 0% 2019 2020 2021 2022 2023 2024 1Q25 Silicon Valley Bank: 8.78% Signature Bank: 13.84%
Slide 42: Sources of Liquidity
Sources of Liquidity (As of March 31, 2025, in millions) Federal Funds Sold & Interest-Bearing Bank Deposits 11.5 Federal Home Loan Bank Line of Credit 100.5 Federal Funds Purchased 46.8 Federal Reserve Bank Discount Window 33.8 Purchased Loans/Unpledged USDA/SBA Loans 18.5 SBA/USDA Guaranteed Loans
Slide 43: Investments
INVESTMENTS
Slide 44: Total Investments
Total Investments Average Life 4.4 Years (End of period, in millions) 100 88 90 80 73 68 70 62 62 60 53 51 47 49 49 50 41 40 30 20 10 0 2007 2016 2017 2018 2019 2020 2021 2022 2023 2024 1Q25
Slide 45: Pre-Tax Unrealized Gain/(Loss) on Investments
Pre-Tax Unrealized Gain/(Loss) on Investments (In thousands) 3,000 1,654 606 1,000 424 -1,000 (1,044) -3,000 (3,748) -5,000 (4,302) (5,369) (4,989) (5,362) (5,860) (5,725) -7,000 (6,624) (6,876) (7,593) -9,000 2018 2019 2020 2021 2022 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25
Slide 46: Percentage Gain/(Loss) on Investment Portfolio
Percentage Gain/(Loss) on Investment Portfolio 0% 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 -3% -6% -7.30% -7.78% -8.18% -8.00% -9.10% -6.40% -8.89% -9.09% -9.10% -9.10% -9% -8.84% -8.48% -8.35% -10.97% -9.08% -10.04% -9.84% -9.71% -10.00% -12% -12.24% -15% All Banks Paragon
Slide 47: Asset Trends
ASSET TRENDS
Slide 48: Total Assets
Total Assets (End of period, in millions) 1,000 16% 874 873 900 15% 751 800 21% 654 700 600 539 484 500 401 404 352 377 400 300 200 100 0 2016 2017 2018 2019 2020 2021 2022 2023 2024 1Q25
Slide 49: Total Loans
Total Loans 2024 Loan Growth: UBPR Peers 6.44% Local Peers 3.18% (End of period, in millions) 19% 800 790 787 700 19% 600 660 44% 555 500 393 394 400 9 75 385 331 333 300 315 318 289 200 100 0 2016 2017 2018 2019 2020 2021 2022 2023 2024 1Q25 Bank Loans PPP Loans
Slide 50: Loans by State
Loans by State (As of March 31, 2025) Other, 17.19% MS, 5.27% TN, 43.64% GA, 9.67% NC, 24.23%
Slide 51: Loan Mix
Loan Mix (As of March 31, 2025) Other, Individuals, 1.84% 0.02% Constr & Land Dev, 16.82% Farmland, 3.15% Comm & Ind, 23.84% Home Equity, 6.62% Nonfarm Nonresid, 12.80% 1-4 Fam Resid, 21.41% Owner Occupied, 11.47% Multifamily, 2.02%
Slide 52: Capital
CAPITAL
Slide 53: Capital Ratios
On May 1, 2025, Paragon Financial Solutions closed a $15 Capital Ratios million bank stock loan that can be invested in Paragon Bank to support the bank’s rapid growth. Currently, there is approximately $7.7 million available to draw. 18.00% 17.20% 15.98% 16.00% 15.38% 14.19% 14.48% 15.94% 14.00% 14
Slide 54: Credit Quality
CREDIT QUALITY
Slide 55: Loan Loss Allowance
Loan Loss Allowance (In thousands) 2020 2021 2022 2023 2024 1Q25 Beginning Allowance $3,837 $5,707 $7,096 $6,912 $8,317 $8,289 Loan Loss Provision 1,861 973 0 0 0 0 CECL Adjustment 0 0 0 1,400 0 0 Net (Charge Offs)/Recoveries 8 416 (184) 5 (28) (8) Ending Allowance $5,707 $7,096 $6,912 $8,317 $8,289
Slide 56: Total Non-performing Assets
Total Non-performing Assets (End of period, in millions) 16,000 14,675 14,000 12,000 10,000 7,843 8,000 6,000 4,706 4,000 2,087 1,682 1,332 1,447 1,443 1,458 2,000 764 620 555 699 811 0 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1Q25
Slide 57: Non-performing Assets as a Percentage of Total Assets
Non-performing Assets as a Percentage of Total Assets 7.35% 8.00% 7.00% 6.00% 5.00% 4.00% 2.88% 3.00% 1.73% 2.00% 0.69% 0.48% 0.35% 0.36% 0.19% 0.13% 1.00% 0.10% 0.11% 0.11% 0.17%0.17% 0.00% 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1Q25
Slide 58: Loan Loss Reserve to Gross Loans
Loan Loss Reserve to Gross Loans (End of period) 2.50% 2.00% 1.80% 1.47% 1.44% 1.45% 1.39% 1.45% 1.50% 1.31% 1.25%1.26% 1.17% 1.15% 1.05%1.05% 1.00% 0.50% 0.00% 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1Q25
Slide 59: Loan Loss Reserve to Gross Loans
Loan Loss Reserve to Gross Loans (End of period, excluding fully government-guaranteed loans) 2.50% 2.26% 1.97% 2.00% 1.62% 1.58% 1.58% 1.53% 1.43% 1.45% 1.42% 1.50% 1.29% 1.25% 1.26% 1.25% 1.00% 0.50% 0.00% 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1Q25
Slide 60: Income Statement
INCOME STATEMENT
Slide 61: Revenue
REVENUE
Slide 62: Total Revenue
Total Revenue *record revenue (In thousands) 10,000 9,033* 9,000 8,403* 7,754* 7903* 1,229 8,000 833 6,839* 6,880* 6,592 6,889* 1,028 6,522 857 7,000 6,319* 6,326 5,657* 582 809 877 620 577 6,000 5,156 5,014 665 663 28 672 5,000 730 131 813 4,000 708 158 7,570 7,804 6,897 6,875 3,000 5,626 6,257 6,0
Slide 63: Net Interest Margin
Net Interest Margin 4.50% 4.10% 4.01% 3.92% 3.87% 4.00% 3.71% 3.69% 3.77% 3.83% 3.99% 3.66% 3.54% 3.56% 3.50% 3.50% 3.35% 3.39% 3.41% 3.26% 3.63% 3.39% 3.00% 3.16% 3.18% 3.05% 2.50% 2.00% 1.50% 1.00% 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 NIM Without PPP
Slide 64: Earning Assets and Cost of Funding
Earning Assets and Cost of Funding 8.00% 7.00% 6.66% 6.76% 6.70% 6.54% 6.33% 6.47% 5.96% 6.00% 5.56% 5.79% 5.19% 5.00% 4.46% 3.88% 4.00% 3.41% 2.93% 3.06% 2.79% 3.10% 2.93% 2.71% 3.00% 2.61% 2.10% 2.00% 1.64% 1.10% 1.00% 0.45% 0.14% 0.17% 0.00% 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24
Slide 65: Interest Expense
Interest Expense 6.00% 5.24% 5.24% 5.24% 5.22% 4.89% 5.00% 4.49% 4.38% 4.00% 3.44% 3.57% 2.85% 3.46% 3.60% 3.00% 3.30% 3.41% 3.16% 3.09% 3.00% 2.57% 2.00% 2.22% 1.07% 0.84% 1.29% 1.00% 0.53% 0.54% 0.54% 0.54% 0.37% 0.46% 0.65% 0.00%0.39% 0.32% 0.25% 0.25% 0.23% 0.21% 0.21% -1.00% 4Q20 1Q21 2Q21 3Q21
Slide 66: Net Interest Income
Net Interest Income (In thousands) 30,000 15.7% 27,354* 12.1% 23,651 25,000 21.7% 21,096 20,000 17,334 14,725 15,189 14,118 15,000 10,000 7,804 5,000 0 2018 2019 2020 2021 2022 2023 2024 1Q25 *record
Slide 67: Non-Interest Income
NON-INTEREST INCOME
Slide 68: Total Non-interest Income
Total Non-interest Income (In thousands) 5,694 6,000 5,500 4,941 5,000 4,648 4,361 4,500 4,006 3,970 4,000 3,488 3,595 3,500 1,627 3,121 2,841 1,628 1,549 2,783 3,000 2,335 2,069 1,354 2,500 1,096 893 587 2,000 939 1,112 1,150 325 613 699 530 446 582 1,500 588 1,000 1,257 1,267 1,290 1,361 1,444 1,3
Slide 69: 30 Year Fixed Rate Mortgage Rates
30 Year Fixed Rate Mortgage Rates
Slide 70: Mortgage Banking Fees
Mortgage Banking Fees (In thousands) 1,112 1,150 1,200 1,000 800 613 582 588 600 530 446 400 325 200 0 2017 2018 2019 2020 2021 2022 2023 2024
Slide 71: Mortgage Banking
Mortgage Banking (In thousands) 2020 2021 2022 2023 2024 Total Loans Closed $88,521 $68,304 $72,769 $63,229 $71,029 Loans Sold $57,187 $51,098 $28,318 $14,117 $28,999 % Sold 64.60% 74.81% 38.92% 22.33% 40.83% Loans Kept $31,334 $17,206 $44,451 $49,112 $42,030 Mortgage Fee Income $1,112 $1,149 $589 $
Slide 72: Small Business Capital Group Revenue
Small Business Capital Group Revenue (In thousands) 6,000 5,135 5,109 5,159 * 4,866 4,692 4,513 4,687 5,000 433 150 1,165 3,781 766 4,000 3,581 1,151 123 115 3,273 2,789 2,722 385 3,000 1,264 1,770 362 4,365 2,000 3,796 168 274 88 3,805 166 2,964 1,648 1,745 1,849 2,145 1,000 1,641 157 74 *record 0
Slide 73: Non-Interest Expense
NON-INTEREST EXPENSE
Slide 74: Non-interest Expense
Non-interest Expense 27,000 17% 24,000 14% 21,000 24% 18,000 Average Increase 2% 8% 15,000 12,000 24,759 18,574 21,110 9,000 14,006 14,144 13,557 14,985 13,693 13,847 6,000 3,000 0 2016 2017 2018 2019 2020 2021 2022 2023 2024
Slide 75: Revenue Producers
Revenue Producers Relationship Managers and Mortgage Consultants 40 35 34 30 30 26 25 24 20 20 18 15 10 5 0 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Slide 76: Non-interest Expense
Non-interest Expense (In thousands) 2024 2023 $ Incr % Incr Salaries & Benefits $16,064 $13,529 $2,535 18.73% Occupancy 3,007 2,396 611 25.48% Regulatory Assessment 1,141 959 182 19.03% Data Processing 1,271 1,121 150 13.35% Other Expenses 3,276 3,104 172 5.53% Total $24,759 $21,110 $3,649 17.29%
Slide 77: Efficiency Ratio
Efficiency Ratio (Expense/Revenue) 100.00% 77.85% 79.60% 78.59% 80.00% 73.46% 72.16% 70.43% 69.54% 60.00% 40.00% 20.00% 0.00% 2019 2020 2021 2022 2023 2024 1Q25
Slide 78: Net Income
NET INCOME
Slide 79: Annual Net Income
Annual Net Income (In thousands) 5,000 4,699 * 2024 Initiatives: 4,500 4,075 3,940 3,940 1. First full year in 4,000 new Atlanta, GA Banking Center 3,500 3,144 3,188 2,757 2. First full year in 3,000 new Oxford, MS 2,500 2,135 2,108 Banking Center 2,000 3. New Teams in Jackson, TN and 1,500 Nashvill
Slide 80: Quarterly Net Income
Quarterly Net Income (In thousands) 2,200 1,985 * 1,665 1,700 1,504 1,280 1,158 1,191 1,200 1,018 904 684 700 514 200 -300 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 *record
Slide 81: Return on Equity
Return on Equity 15.00% 13.20% 13.00% 11.00% 8.21% 8.11% 8.32% 9.00% 6.73% 7.17% 7.71% 6.63% 6.50% 7.00% 5.00% 3.00% 1.00% -1.00% 2017 2018 2019 2020 2021 2022 2023 2024 1Q25
Slide 82: Stock Trends
STOCK TRENDS
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Slide 84: Price to LTM EPS
Price to LTM EPS Paragon Bank 7.71 5/20/25 OTC and Publicly Traded Banks and Thrifts 14.00 12.40 11.00 12.00 9.80 9.10 10.00 8.80 7.60 8.00 6.00 4.00 2.00 0.00 <$500M $500M to $1B to $2B $2B to $5B >= $5B Pub Traded $1B Source: D.A. Davison
Slide 85: Price to Tangible Book
Price to Tangible Book Paragon Bank .75 5/20/25 OTC and Publicly Traded Banks and Thrifts 1.40 1.24 1.11 1.12 1.20 0.96 0.90 1.00 0.75 0.80 0.60 0.40 0.20 0.00 <$500M $500M to $1B $1B to $2B $2B to $5B >= $5B Pub Traded Source: D.A. Davison
Slide 86: Book Value
Book Value $16.00 $13.71 $12.98 $13.15 $14.00 $12.08 $12.14 $12.47 $11.63 $11.21 $12.00 $10.00 $8.00 $6.00 $4.00 $2.00 $0.00 4Q21 4Q22 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25
Slide 87: Book Value
Book Value (Excluding gain/loss on investments) $16.00 $14.42 $13.97 $12.97 $13.08 $13.36 $13.60 $14.00 $12.36 $11.55 $12.00 $10.00 $8.00 $6.00 $4.00 $2.00 $0.00 4Q21 4Q22 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25
Slide 88: Summary and Wrap Up
SUMMARY AND WRAP UP
Slide 89: 2024 Records
2024 Records Total Loans Total Assets Total Core Deposits Net Interest Income Total Revenue Net Income
Slide 90: 2024 Strategic Priorities
2024 Strategic Priorities Continue to grow our deposit base Retain liquidity sources Continue to make prudent loan decisions Maintain healthy levels of capital Complete Additional groundwork projects • Find a long-term location for our Jackson and Nashville teams • Convert our online and mobile bank
Slide 91: 2025 Strategic Priorities
2025 Strategic Priorities Continue to grow our deposit base Retain liquidity sources Continue to make prudent loan decisions Maintain healthy levels of capital Complete remaining groundwork projects • Find a long-term location for our Nashville team
Slide 92: 2025 Strategic Priorities
2025 Strategic Priorities Capitalize on the Groundwork for Growth Drive improved profitability by: Increased revenue from growth within existing markets Improving efficiency
Slide 93: Questions?
QUESTIONS?
Slide 94: 2025 Shareholder Meeting
2025 Shareholder Meeting May 22, 2025
Paragon Financial Solutions — Shareholder Meeting (May 2025) on 6ix