PATRIOTS BANK

GARNETT, KS | Small | Est. Jan. 1, 1899, midnight | FDIC #18019 | RSSD #297051 | FDIC
Latest Report: 2025-12-31

PATRIOTS BANK is asn small FDIC-insured commercial bank headquartered in GARNETT, KS, established in Jan. 1, 1899, midnight. As of 2025-12-31, the bank reported total assets of $261M and total deposits of $231M. Profitability stands at 2.04% ROA and 23.63% ROE, with a net interest margin of 5.02%. The bank's CET1 capital ratio is 11.30%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #18019.

Assets

$261M

Deposits

$231M

Loans

$204M

Equity

$22M

Profitability

Return on Assets (ROA) 2.04%
Return on Equity (ROE) 23.63%
Net Interest Margin (NIM) 5.02%
Yield on Assets 7.43%
Cost of Funds 2.44%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.06%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 11.30%
Tier 1 Capital 11.30%
Total Capital Ratio 12.26%
Leverage Ratio 9.11%
Loan-to-Deposit 88.23%

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