Patriot Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income rose 5.5% from Q1 2026 to Q2 2026, ending at -$3.0M against -$3.2M. It was the largest change among the key lines on this page. Patriot Bank ranks 49th of 71 Tennessee banks on CET1 ratio, in the lower half at 12.39% (Q2 2026). Patriot Bank reported 12.39% on CET1 ratio for Q2 2026, 2.68 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.39% |
| Tier 1 risk-based capital ratio | 12.39% |
| Total risk-based capital ratio | 13.12% |
| Tier 1 leverage ratio | 9.89% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $43.4M |
| Tier 1 capital | $43.4M |
| Total risk-based capital | $46.0M |
| Total equity capital | $40.8M |
| Risk-weighted assets | $350.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.04% |
| Tangible equity to tangible assets | 8.96% |
| Equity capital to average assets | 9.27% |
| Internal capital growth rate | -0.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.3M |
| Common stock surplus | $6.3M |
| Retained earnings | $34.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.57% | 11.57% | 12.67% | 9.02% | $370.4M |
| Q4 2023 | 11.52% | 11.52% | 12.62% | 9.11% | $369.3M |
| Q1 2024 | 11.44% | 11.44% | 12.52% | 8.89% | $373.1M |
| Q2 2024 | 11.36% | 11.36% | 12.37% | 9.06% | $379.5M |
| Q3 2024 | 12.33% | 12.33% | 13.31% | 9.70% | $351.9M |
| Q4 2024 | 12.29% | 12.29% | 13.14% | 9.61% | $349.6M |
| Q1 2025 | 12.56% | 12.56% | 13.45% | 9.68% | $344.5M |
| Q2 2025 | 12.96% | 12.96% | 13.82% | 9.90% | $338.6M |
| Q3 2025 | 12.90% | 12.90% | 13.75% | 10.39% | $343.4M |
| Q4 2025 | 12.55% | 12.55% | 13.24% | 9.97% | $344.4M |
| Q1 2026 | 12.54% | 12.54% | 13.24% | 10.00% | $346.6M |
| Q2 2026 | 12.39% | 12.39% | 13.12% | 9.89% | $350.7M |
Patriot Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Patriot Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Patriot Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57416) · FFIEC NIC profile (RSSD 3120646)