Bank Comparison
First National Bank of Monterey, the vs Patriot Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank of Monterey, the | Patriot Bank |
|---|---|---|
| CET1 Ratio | — | 12.54% |
| Tier 1 Capital Ratio | — | 12.54% |
| Total Capital Ratio | — | 13.24% |
| Tier 1 Leverage Ratio | 13.13% | 10.00% |
| Equity / Assets | 11.21% | 9.44% |
Profitability
| Metric | First National Bank of Monterey, the | Patriot Bank |
|---|---|---|
| Return on Assets (ROA) | 1.06% | 0.23% |
| Return on Equity (ROE) | 9.68% | 2.43% |
| Net Interest Margin (NIM) | 2.90% | 3.38% |
| Yield on Earning Assets | 4.82% | 4.96% |
| Cost of Funds | 2.18% | 1.67% |
Asset quality
| Metric | First National Bank of Monterey, the | Patriot Bank |
|---|---|---|
| Texas Ratio | 2.88% | 8.59% |
| Non-Performing Loan Ratio | 0.48% | 1.38% |
| Non-Performing Asset Ratio | 0.27% | 0.85% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.99% | 0.99% |
Balance sheet
| Metric | First National Bank of Monterey, the | Patriot Bank |
|---|---|---|
| Total Assets | $429,586K | $430,166K |
| Total Deposits | $378,330K | $382,421K |
| Total Loans | $237,043K | $246,499K |
| Total Equity | $48,160K | $40,594K |
| Net Income (quarter) | $1,153K | $246 |
Liquidity & funding
| Metric | First National Bank of Monterey, the | Patriot Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 62.66% | 64.46% |
| Core Deposit Ratio | 94.33% | 85.24% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Monterey, the | Patriot Bank |
|---|---|---|
| Headquarters City | MONTEREY | MILLINGTON |
| Headquarters State | IN | TN |
| Asset Tier | Small | Small |
| Charter Class | 9784 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 4 | 10 |
| Employees (FTE) | 46 | 83 |
| Established | Aug. 1, 1910, 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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