$430M
−2.6%y/y
Percentile by value35th percentileby value
FDIC
ASSETPB
Patriot Bank
Millington, TennesseeFDIC Cert #57416
STATEEstablished 200210 branches
Holding company: SECURITY BCORP OF TN INCRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportPatriot Bank reported $430M in total assets. Deposits declined 2.56% over the prior year.
Return on assets was 0.23%, compared with an asset-peer median of 1.22%. The leverage ratio was 10.00%.
- Why is Efficiency Ratio above asset peers?
- Why is Return on Assets below asset peers?
- Why is Total Assets below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$382M
−2.6%y/y
Percentile by value40th percentileby value
FDIC
DEP$244M
+8.1%y/y
Percentile by value23rd percentileby value
FDIC
LNLSNET0.23%
−5 bpsy/y
Peer standing6th percentile
FDIC
NETINC + ROA89.49%
−415 bpsy/y
Peer standing6th percentile
FDIC
NONIX + NIM + NONII + EEFFR10.00%
+32 bpsy/y
Peer standing37th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $457M | $384M |
| Q3 2021 | $468M | $388M |
| Q4 2021 | $471M | $394M |
| Q1 2022 | $485M | $411M |
| Q2 2022 | $476M | $408M |
| Q3 2022 | $469M | $404M |
| Q4 2022 | $475M | $412M |
| Q1 2023 | $479M | $415M |
| Q2 2023 | $462M | $398M |
| Q3 2023 | $459M | $396M |
| Q4 2023 | $453M | $395M |
| Q1 2024 | $470M | $412M |
| Q2 2024 | $464M | $403M |
| Q3 2024 | $436M | $384M |
| Q4 2024 | $436M | $386M |
| Q1 2025 | $441M | $392M |
| Q2 2025 | $439M | $388M |
| Q3 2025 | $425M | $370M |
| Q4 2025 | $426M | $376M |
| Q1 2026 | $430M | $382M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $42.3M |
| Investor CRE | $43M |
| Multifamily | $10.7M |
| Construction | $31.4M |
| 1–4 family | $83.7M |
| C&I | $18.9M |
| Agriculture | $10.5M |
| Other | $5.98M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.23%6th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE2.43%7th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.39%25th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR89.49%6th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP−2.56%10th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+8.14%63rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.36%20th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ10.00%37th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.11%69th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC186%56th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.23%4th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.46%Median 1.06%90th 1.94%Observations 110
ROE
FDIC
NETINC + ROE2.43%5th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.67%Median 10.93%90th 19.22%Observations 110
NIM
FDIC
NIM + NIMY3.39%19th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.23%Median 3.91%90th 4.75%Observations 110
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR89.49%4th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.24%Median 64.73%90th 82.26%Observations 110
Deposits YoY
FDIC
DEP−2.56%10th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.56%Median +4.67%90th +17.42%Observations 110
Loans YoY
FDIC
LNLSNET+8.14%50th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.21%Median +8.14%90th +17.99%Observations 110
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.36%13th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 1.63%Observations 110
Leverage
FDIC
RBC1AAJ10.00%35th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.54%90th 14.36%Observations 110
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.11%77th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.85%Median 2.65%90th 3.27%Observations 110
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC186%45th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 81%Median 202%90th 319%Observations 74
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.23%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.52%Median 1.13%90th 1.84%Observations 43
ROE
FDIC
NETINC + ROE2.43%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.85%Median 10.97%90th 18.41%Observations 43
NIM
FDIC
NIM + NIMY3.39%10th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.41%Median 3.99%90th 4.72%Observations 43
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR89.49%2nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.48%Median 66.67%90th 82.54%Observations 43
Deposits YoY
FDIC
DEP−2.56%10th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.15%Median +5.44%90th +13.08%Observations 43
Loans YoY
FDIC
LNLSNET+8.14%40th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.15%Median +8.87%90th +15.75%Observations 43
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.36%10th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.40%90th 1.32%Observations 43
Leverage
FDIC
RBC1AAJ10.00%33rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.61%Median 10.57%90th 14.08%Observations 43
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.11%83rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.97%Median 2.66%90th 3.13%Observations 43
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC186%36th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 93%Median 204%90th 294%Observations 29
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 10 branches
- Headquarters
- Millington, TN
FDIC
OFFDOMOpen the Tennessee dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data