PATRIOT BANK

MILLINGTON, TN | Small | Est. Oct. 9, 2002, midnight | FDIC #57416 | RSSD #3120646 | FED
Latest Report: 2025-12-31

PATRIOT BANK is asn small FDIC-insured commercial bank headquartered in MILLINGTON, TN, established in Oct. 9, 2002, midnight. As of 2025-12-31, the bank reported total assets of $426M and total deposits of $376M. Profitability stands at 0.37% ROA and 3.86% ROE, with a net interest margin of 3.58%. The bank's CET1 capital ratio is 12.55%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.95% and a Texas Ratio of 5.25%. FDIC Certificate #57416.

Assets

$426M

Deposits

$376M

Loans

$238M

Equity

$41M

Profitability

Return on Assets (ROA) 0.37%
Return on Equity (ROE) 3.86%
Net Interest Margin (NIM) 3.58%
Yield on Assets 5.25%
Cost of Funds 1.75%

Asset Quality

NPL Ratio 0.95%
Net Charge-Off Ratio 0.33%
Texas Ratio 5.25%
NPA Ratio 0.53%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 12.55%
Tier 1 Capital 12.55%
Total Capital Ratio 13.24%
Leverage Ratio 9.97%
Loan-to-Deposit 63.14%

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