Bank Comparison
Coffee County Bank vs Patriot Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 10
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Coffee County Bank | Patriot Bank |
|---|---|---|
| CET1 Ratio | 11.96% | 12.54% |
| Tier 1 Capital Ratio | 11.96% | 12.54% |
| Total Capital Ratio | 13.22% | 13.24% |
| Tier 1 Leverage Ratio | 9.45% | 10.00% |
| Equity / Assets | 8.91% | 9.44% |
Profitability
| Metric | Coffee County Bank | Patriot Bank |
|---|---|---|
| Return on Assets (ROA) | 2.32% | 0.23% |
| Return on Equity (ROE) | 26.09% | 2.43% |
| Net Interest Margin (NIM) | 4.64% | 3.38% |
| Yield on Earning Assets | 6.67% | 4.96% |
| Cost of Funds | 2.19% | 1.67% |
Asset quality
| Metric | Coffee County Bank | Patriot Bank |
|---|---|---|
| Texas Ratio | 4.22% | 8.59% |
| Non-Performing Loan Ratio | 0.51% | 1.38% |
| Non-Performing Asset Ratio | 0.42% | 0.85% |
| Net Charge-Off Ratio | 0.10% | 0.00% |
| ACL / Loans | 1.30% | 0.99% |
Balance sheet
| Metric | Coffee County Bank | Patriot Bank |
|---|---|---|
| Total Assets | $430,430K | $430,166K |
| Total Deposits | $388,617K | $382,421K |
| Total Loans | $357,612K | $246,499K |
| Total Equity | $38,355K | $40,594K |
| Net Income (quarter) | $2,470K | $246 |
Liquidity & funding
| Metric | Coffee County Bank | Patriot Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 92.02% | 64.46% |
| Core Deposit Ratio | 82.36% | 85.24% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Coffee County Bank | Patriot Bank |
|---|---|---|
| Headquarters City | MANCHESTER | MILLINGTON |
| Headquarters State | TN | TN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 4 | 10 |
| Employees (FTE) | 83 | 83 |
| Established | Aug. 15, 1975, midnight | Oct. 9, 2002, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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