Patriot Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 3.89 percentage points lower than in Q1 2026, at 64.45%. Within Tennessee, Patriot Bank is 98th of 109 on loan-to-deposit ratio, 63.40% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Patriot Bank sits 17.44 points lower, at 63.40% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $255.1M |
| Net loans and leases | $252.5M |
| Loans held for sale | $9.2M |
| Loans to total assets | 56.54% |
| Loan-to-deposit ratio | 63.40% |
| Net loans to equity capital | 6.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.71% |
| Multifamily (5+ residential) | 3.90% |
| Commercial and industrial | 7.24% |
| Consumer | 1.65% |
| Credit cards | 0.00% |
| Farm | 4.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 181.70% |
| Construction concentration (Tier 1 capital + allowance) | 64.45% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $4.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $241.3M | $396.4M | 36.71% | 4.98% | 3.88% |
| Q4 2023 | $238.4M | $395.1M | 35.88% | 8.00% | 3.22% |
| Q1 2024 | $242.9M | $411.8M | 37.19% | 5.09% | 4.71% |
| Q2 2024 | $257.1M | $402.9M | 34.70% | 5.01% | 4.48% |
| Q3 2024 | $238.8M | $384.0M | 36.29% | 5.49% | 2.74% |
| Q4 2024 | $230.2M | $386.3M | 35.59% | 5.68% | 2.60% |
| Q1 2025 | $228.8M | $392.5M | 32.30% | 5.36% | 2.66% |
| Q2 2025 | $235.4M | $387.8M | 28.89% | 5.37% | 2.69% |
| Q3 2025 | $235.8M | $370.2M | 29.32% | 7.90% | 2.59% |
| Q4 2025 | $237.6M | $376.3M | 31.93% | 7.45% | 2.47% |
| Q1 2026 | $246.5M | $382.4M | 34.62% | 7.67% | 2.00% |
| Q2 2026 | $255.1M | $402.3M | 34.71% | 7.24% | 1.65% |
Patriot Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Patriot Bank, freeSource: Call Report Schedule RC-C, 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)