BanksPATRONS BANK, NATIONAL ASSOCIATION

PATRONS BANK, NATIONAL ASSOCIATION

OKMULGEE, OKSmallEst. April 2, 1917, midnightFDIC #4170RSSD #634955OCC
Latest · 2025-12-31

PATRONS BANK, NATIONAL ASSOCIATION is an 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%. CET1 capital ratio: 14.20%, well above regulatory minimums. NPL ratio: 1.06% · Texas Ratio: 5.73%. Operates 5 domestic branches.

Assets
$298M
Deposits
$260M
Loans
$174M
Equity
$29M

Profitability

Return on Assets (ROA)0.68%
Return on Equity (ROE)6.77%
Net Interest Margin4.09%
Yield on Assets5.64%
Cost of Funds1.62%

Asset Quality

NPL Ratio1.06%
Net Charge-Off Ratio0.03%
Texas Ratio5.73%
NPA Ratio0.62%
ACL / Loans1.59%

Capital & Liquidity

CET1 Ratio14.20%
Tier 1 Capital14.20%
Total Capital Ratio15.38%
Leverage Ratio11.00%
Loan-to-Deposit66.92%

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