Patriot Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 18.70 percentage points in Q2 2026, from 71.63% to 90.34%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Patriot Bank is 97th of 109 on return on assets, 0.54% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Patriot Bank reported 0.54% on return on assets in Q2 2026, 0.72 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.39% |
| Tier 1 risk-based capital ratio | 12.39% |
| Total risk-based capital ratio | 13.12% |
| Tier 1 leverage ratio | 9.89% |
| Equity capital to assets | 9.04% |
| Tangible equity to tangible assets | 8.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.11% |
| Non-performing assets ratio | 0.63% |
| Net charge-off ratio | -0.06% |
| Texas ratio | 6.60% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 90.34% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.54% |
| Return on equity | 5.79% |
| Net interest margin | 3.58% |
| Efficiency ratio | 81.36% |
| Yield on earning assets | 5.14% |
| Cost of funds | 1.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.40% |
| Core deposits to total deposits | 84.89% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.18% |
| Securities to assets | 30.07% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.57% | 11.57% | 12.67% | 9.02% | 0.01% |
| Q4 2023 | 11.52% | 11.52% | 12.62% | 9.11% | 0.15% |
| Q1 2024 | 11.44% | 11.44% | 12.52% | 8.89% | 0.10% |
| Q2 2024 | 11.36% | 11.36% | 12.37% | 9.06% | 0.36% |
| Q3 2024 | 12.33% | 12.33% | 13.31% | 9.70% | 0.25% |
| Q4 2024 | 12.29% | 12.29% | 13.14% | 9.61% | 0.27% |
| Q1 2025 | 12.56% | 12.56% | 13.45% | 9.68% | 0.27% |
| Q2 2025 | 12.96% | 12.96% | 13.82% | 9.90% | 0.53% |
| Q3 2025 | 12.90% | 12.90% | 13.75% | 10.39% | 0.42% |
| Q4 2025 | 12.55% | 12.55% | 13.24% | 9.97% | 0.37% |
| Q1 2026 | 12.54% | 12.54% | 13.24% | 10.00% | 0.23% |
| Q2 2026 | 12.39% | 12.39% | 13.12% | 9.89% | 0.54% |
Patriot Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Patriot Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)