Patriot Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Patriot Bank of Millington, TN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.54% | 1.34% | -0.80% | 14th bottom |
| ROAE | 5.79% | 13.32% | -7.53% | 17th bottom |
| Net Interest Margin | 3.58% | 3.93% | -0.35% | 31st below |
| Efficiency Ratio | 81.36% | 61.13% | +20.23% | 12th bottom |
| PPNR / Avg Assets | 0.73% | 1.68% | -0.95% | 13th bottom |
| Yield on Earning Assets | 5.14% | 5.67% | -0.53% | 28th below |
| Cost of Funds | 1.63% | 1.88% | -0.25% | 61st above |
| Net Interest Spread | 3.09% | 3.32% | -0.23% | 37th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.11% | 0.94% | +0.17% | 26th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.63% | 0.70% | -0.07% | 32nd below |
| NCO / Avg Loans | -0.06% | 0.16% | -0.22% | 95th top |
| ACL / Total Loans | 1.00% | 1.28% | -0.28% | 26th below |
| ACL / NPLs (Coverage) | 90.34% | 1539.36% | -1449.02% | 24th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.60% | 7.33% | -0.73% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.39% | 19.51% | -7.12% | 21st bottom |
| Tier 1 Ratio | 12.39% | 19.54% | -7.15% | 21st bottom |
| Total Capital Ratio | 13.12% | 20.63% | -7.51% | 18th bottom |
| Leverage Ratio | 9.89% | 12.14% | -2.25% | 29th below |
| Equity / Assets | 9.04% | 11.38% | -2.34% | 28th below |
| TCE / Tangible Assets | 8.96% | 11.09% | -2.13% | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.40% | 80.64% | -17.24% | 79th top |
| Core Deposit Ratio | 84.89% | 86.86% | -1.97% | 30th below |
| Wholesale Funding Ratio | 0.90% | 5.04% | -4.14% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.77% | 6.85% | -4.08% | 38th below |
| Loan Growth (Y/Y) | 8.39% | 7.90% | +0.49% | 67th above |
| Deposit Growth (Y/Y) | 3.74% | 6.29% | -2.55% | 48th below |
See Patriot Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Patriot Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Patriot Bank profile, how to read a UBPR, or how this data updates.