PATRONS BANK, NATIONAL ASSOCIATION

OKMULGEE, OK | Small | Est. April 2, 1917, midnight | FDIC #4170 | RSSD #634955 | OCC
Latest Report: 2025-12-31

PATRONS BANK, NATIONAL ASSOCIATION is asn small FDIC-insured commercial bank headquartered in OKMULGEE, OK, established in April 2, 1917, midnight. As of 2025-12-31, the bank reported total assets of $298M and total deposits of $260M. Profitability stands at 0.68% ROA and 6.77% ROE, with a net interest margin of 4.09%. The bank's CET1 capital ratio is 14.20%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.06% and a Texas Ratio of 5.73%. FDIC Certificate #4170.

Assets

$298M

Deposits

$260M

Loans

$174M

Equity

$29M

Profitability

Return on Assets (ROA) 0.68%
Return on Equity (ROE) 6.77%
Net Interest Margin (NIM) 4.09%
Yield on Assets 5.64%
Cost of Funds 1.62%

Asset Quality

NPL Ratio 1.06%
Net Charge-Off Ratio 0.03%
Texas Ratio 5.73%
NPA Ratio 0.62%
ACL / Loans 1.59%

Capital & Liquidity

CET1 Ratio 14.20%
Tier 1 Capital 14.20%
Total Capital Ratio 15.38%
Leverage Ratio 11.00%
Loan-to-Deposit 66.92%

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