Bank Comparison
Patriot Bank vs Watermark Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 18
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Patriot Bank | Watermark Bank |
|---|---|---|
| CET1 Ratio | 12.54% | 14.56% |
| Tier 1 Capital Ratio | 12.54% | 14.56% |
| Total Capital Ratio | 13.24% | 15.81% |
| Tier 1 Leverage Ratio | 10.00% | 13.22% |
| Equity / Assets | 9.44% | 12.86% |
Profitability
| Metric | Patriot Bank | Watermark Bank |
|---|---|---|
| Return on Assets (ROA) | 0.23% | 1.20% |
| Return on Equity (ROE) | 2.43% | 9.25% |
| Net Interest Margin (NIM) | 3.38% | 4.13% |
| Yield on Earning Assets | 4.96% | 6.35% |
| Cost of Funds | 1.67% | 2.56% |
Asset quality
| Metric | Patriot Bank | Watermark Bank |
|---|---|---|
| Texas Ratio | 8.59% | 0.00% |
| Non-Performing Loan Ratio | 1.38% | 0.00% |
| Non-Performing Asset Ratio | 0.85% | 0.00% |
| Net Charge-Off Ratio | 0.00% | -0.02% |
| ACL / Loans | 0.99% | 1.26% |
Balance sheet
| Metric | Patriot Bank | Watermark Bank |
|---|---|---|
| Total Assets | $430,166K | $429,561K |
| Total Deposits | $382,421K | $368,039K |
| Total Loans | $246,499K | $358,370K |
| Total Equity | $40,594K | $55,239K |
| Net Income (quarter) | $246 | $1,261K |
Liquidity & funding
| Metric | Patriot Bank | Watermark Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 64.46% | 97.37% |
| Core Deposit Ratio | 85.24% | 90.56% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Patriot Bank | Watermark Bank |
|---|---|---|
| Headquarters City | MILLINGTON | OKLAHOMA CITY |
| Headquarters State | TN | OK |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 10 | 1 |
| Employees (FTE) | 83 | 35 |
| Established | Oct. 9, 2002, midnight | Jan. 22, 2019, 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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