PATTERSON STATE BANK

PATTERSON, LA | Small | Est. Jan. 1, 1925, midnight | FDIC #12609 | RSSD #85931 | FDIC
Latest Report: 2025-12-31

PATTERSON STATE BANK is asn small FDIC-insured commercial bank headquartered in PATTERSON, LA, established in Jan. 1, 1925, midnight. As of 2025-12-31, the bank reported total assets of $353M and total deposits of $319M. Profitability stands at 0.44% ROA and 5.71% ROE, with a net interest margin of 3.09%. The bank's CET1 capital ratio is 16.25%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.46% and a Texas Ratio of 3.16%. FDIC Certificate #12609.

Assets

$353M

Deposits

$319M

Loans

$195M

Equity

$26M

Profitability

Return on Assets (ROA) 0.44%
Return on Equity (ROE) 5.71%
Net Interest Margin (NIM) 3.09%
Yield on Assets 4.98%
Cost of Funds 1.90%

Asset Quality

NPL Ratio 0.46%
Net Charge-Off Ratio 0.03%
Texas Ratio 3.16%
NPA Ratio 0.25%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 16.25%
Tier 1 Capital 16.25%
Total Capital Ratio 17.51%
Leverage Ratio 9.06%
Loan-to-Deposit 61.22%

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