Patriot Bank
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Data as of · sourced from FFIEC call reports. How we update
Patriot Bank is an FDIC-insured commercial bank headquartered in Millington, TN, established in 2002 (FDIC certificate 57416), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $451.2M, up 2.8% from Q2 2025, the 56th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 12.39% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 57416
- Headquarters
- Millington, TN
- Established
- 2002
- Total assets, Q2 2026
- $451.2M
- Assets vs Q2 2025
- +2.8%
- CET1 ratio, Q2 2026
- 12.39%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 084008824
- Latest call report
- Q2 2026, FFIEC 051 · Patriot Bank call report
- Holding company
- PATRIOT OF TENNESSEE CORPORATION
- Asset rank in state
- 56th of 109 in Tennessee
Problem loans are rising at Patriot Bank. The Millington, Tennessee bank had $451 million in assets at June 30, 2026, up 2.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.09% of loans from 0.34% a year earlier. It spends about 81 cents to bring in each dollar of revenue, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also earns about $0.54 a year on every $100 of assets, about half the median of $1.28 for banks its size.
Loans are outrunning deposits: over the year loans rose 8.4% and deposits rose 3.7%. Paper losses on its bond portfolio are shrinking: unrealized losses of $4.2 million equal 10% of Tier 1 capital, down from 17% a year earlier. Where it has less room is capital: it holds common equity equal to 12.39% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Patriot Bank reported a CET1 capital ratio of 12.39%, a return on assets of 0.54%, a nonperforming-loan ratio of 1.09% and a Texas ratio of 6.45%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Patriot Bank is the 56th largest of the 109 banks headquartered in Tennessee. From Q1 2026 to Q2 2026, its total assets rose 4.9% to $451.2M, loans rose 3.5% and deposits rose 5.2%. 1-4 family residential loans made up 35.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 17.5%. The FDIC Summary of Deposits lists 8 offices for it, in 6 cities in TN; its Millington 2 offices book 36% of its branch deposits. Judged on its Q2 2026 call report, Patriot Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8376 Us Highway 51 N, Millington, TN 38053
- County
- Shelby
- Metro Area
- Memphis, TN-Ms-Ar
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 9, 2002
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 85
- Domestic deposits
- $402.3M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- -$33K
- Average total assets
- $439.8M
- Average total loans
- $251.5M
- Average interest-bearing deposits
- $307.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 9, 2002
- FDIC Cert
- 57416
- Fed RSSD
- 3120646
- Website
- www.patriot-bank.com →
- Parent Holding Company
- PATRIOT OF TENNESSEE CORPORATION (RSSD 3227983)
- Ultimate Parent
- SECURITY BANCORP OF TENNESSEE, INC. (RSSD 1135374)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Patriot Bank's total assets ran between $424.6M (Q3 2025) and $469.9M (Q1 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$451.2M total assets against $439.0M; $410.4M total liabilities against $400.2M.
$252.5M net loans and leases against $232.4M; $402.3M total deposits against $387.8M.
$135.7M securities against $147.8M; $36.4M cash and balances due against $30.6M.
$5.2M total interest income against $5.2M; $1.6M total interest expense against $1.7M.
$3.6M net interest income against $3.5M.
$1.2M total noninterest income against $1.2M; $4.0M total noninterest expense against $3.9M.
$85K provision for credit losses against $100K.
$590K net income against $586K.
0.54% return on assets against 0.53%; 3.60% net interest margin against 3.54%.
12.39% CET1 capital ratio against 12.96%; 9.89% tier 1 leverage ratio against 9.90%.
Inside the full Patriot Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePatriot Bank rankings
Its closest position to the top of a national ranking is 1,055 of 3,640, for Texas Ratio; its furthest is 3,289 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.23% (Q1 2026) to 0.54% (Q2 2026) and its net interest margin ran from 3.20% (Q4 2024) to 3.60% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.39% | 0.54% | 1.09% | 6.45% | 3.60% |
| Q1 2026 | 12.54% | 0.23% | 1.36% | 8.45% | 3.38% |
| Q4 2025 | 12.55% | 0.37% | 0.95% | 5.30% | 3.55% |
| Q3 2025 | 12.90% | 0.42% | 0.64% | 3.41% | 3.58% |
| Q2 2025 | 12.96% | 0.53% | 0.34% | 1.93% | 3.54% |
| Q1 2025 | 12.56% | 0.27% | 0.41% | 2.30% | 3.20% |
| Q4 2024 | 12.29% | 0.27% | 0.59% | 3.40% | 3.20% |
| Q3 2024 | 12.33% | 0.25% | 0.61% | 3.46% | 3.31% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Patriot Bank (main office) | Millington , TN | 38053 | $124.4M |
| Pleasant Avenue Branch | Covington , TN | 38019 | $84.7M |
| South Tipton - Atoka Branch | Atoka , TN | 38004 | $59.8M |
| Collierville Branch | Collierville , TN | 38017 | $44.0M |
| Arlington Branch | Arlington , TN | 38002 | $42.9M |
| Rosemark Branch | Millington , TN | 38053 | $21.9M |
| Covington South Branch | Covington , TN | 38019 | $18.7M |
| Raleigh Springs Branch | Memphis , TN | 38128 | $5.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action February 6, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in TN, rank 78 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 588 applications, 468 loans originated, $126.0M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $848K approved, $170K average. 40.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Patriot Bank
What are Patriot Bank's total assets?
As of the Q2 2026 filing, Patriot Bank reported total assets of $451.2 million in its FFIEC call report.
Where is Patriot Bank headquartered?
It is headquartered in Millington, TN, United States.
When was Patriot Bank founded?
It was established in 2002, per the FDIC institution directory.
Is Patriot Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57416). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Patriot Bank?
Patriot Bank's primary federal regulator is the Federal Reserve.
What is Patriot Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.39% in its Q2 2026 call report, above regulatory requirements.
How many branches does Patriot Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Patriot Bank's Texas Ratio?
Its Texas Ratio is 6.45% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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