Patriots Bank
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Data as of · sourced from FFIEC call reports. How we update
Patriots Bank is an FDIC-insured commercial bank headquartered in Garnett, KS, established in 1899 (FDIC certificate 18019), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $268.8M, up 7.6% from Q2 2025, the 78th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.20% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18019
- Headquarters
- Garnett, KS
- Established
- 1899
- Total assets, Q2 2026
- $268.8M
- Assets vs Q2 2025
- +7.6%
- Tier 1 leverage ratio, Q2 2026
- 9.20%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 101106405
- Latest call report
- Q2 2026, FFIEC 051 · Patriots Bank call report
- Holding company
- GARNETT BANCSHARES, INC.
- Asset rank in state
- 78th of 182 in Kansas
Patriots Bank, based in Garnett, Kansas, reported $269 million in assets at June 30, 2026, up 7.6% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). On the other hand, it funds 9.20% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Loans are outrunning deposits: over the year loans rose 8.9% and deposits rose 4.6%. Funding is the softer spot: it pays an average of 2.37% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Patriots Bank reported a return on assets of 1.60%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Patriots Bank ranks as the 78th largest of the 182 banks based in Kansas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.6% to $268.8M, loans fell 1.8% and deposits fell 3.1%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 37.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 22.8%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities across 2 states; its Garnett 2 offices book 35% of its branch deposits. By the capital ratios in its Q2 2026 call report, Patriots Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 131 E 4th Ave, Garnett, KS 66032
- County
- Anderson
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1899
- Former names
- Kansas State Bank (1973-2002)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $233.4M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $271.7M
- Average total loans
- $204.0M
- Average interest-bearing deposits
- $200.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 4, 1959
- FDIC Cert
- 18019
- Fed RSSD
- 297051
- Website
- http://www.patriotsbank.com →
- Parent Holding Company
- GARNETT BANCSHARES, INC. (RSSD 1057896)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Patriots Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Patriots Bank's total assets ran between $228.6M (Q4 2023) and $270.6M (Q1 2026), 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
$268.8M total assets against $249.8M; $245.2M total liabilities against $229.5M.
$202.7M net loans and leases against $186.1M; $233.4M total deposits against $223.1M.
$23.8M securities against $22.1M; $28.4M cash and balances due against $30.2M.
$4.4M total interest income against $4.2M; $1.5M total interest expense against $1.4M.
$3.0M net interest income against $2.8M.
$201K total noninterest income against $327K; $1.9M total noninterest expense against $2.0M.
$90K provision for credit losses against $55K.
$1.1M net income against $1.1M.
1.60% return on assets against 1.81%; 4.65% net interest margin against 4.98%.
9.20% tier 1 leverage ratio against 9.10%.
Inside the full Patriots Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePatriots Bank rankings
Its closest position to the top of a national ranking is 1,095 of 3,611, for ROA; its furthest is 3,494 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.26% (Q3 2024) to 2.02% (Q4 2025) and its net interest margin ran from 4.36% (Q3 2024) to 5.07% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.20% | 1.60% | 0.00% | 0.00% | 4.65% |
| Q1 2026 | 9.31% | 1.97% | 0.00% | 0.00% | 4.82% |
| Q4 2025 | 9.11% | 2.02% | 0.00% | 0.00% | 4.86% |
| Q3 2025 | 9.37% | 1.84% | 0.22% | 1.83% | 5.07% |
| Q2 2025 | 9.10% | 1.81% | 0.00% | 0.00% | 4.98% |
| Q1 2025 | 9.18% | 1.54% | 0.00% | 0.00% | 4.40% |
| Q4 2024 | 8.71% | 1.85% | 0.00% | 0.00% | 4.71% |
| Q3 2024 | 8.47% | 1.26% | 0.00% | 0.00% | 4.36% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Patriots Bank (main office) | Gardner , KS | 66030 | $70.5M |
| Patriots Bank (main office) | Garnett , KS | 66032 | $63.4M |
| Princeton Branch | Princeton , KS | 66078 | $43.6M |
| Lake Ozark Branch | Lake Ozark , MO | 65049 | $22.3M |
| Garnett Branch | Garnett , KS | 66032 | $17.7M |
| Ottawa Branch | Ottawa , KS | 66067 | $15.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 13, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 13, 1993 | Structure Change | Acquired Peoples Bank of Kansas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 16, 1986 | Structure Change | Acquired State Bank of Westphalia Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 12, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KS, rank 99 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 37 applications, 37 loans originated, $9.5M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $420K approved, $420K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Patriots Bank
What are Patriots Bank's total assets?
As of the Q2 2026 filing, Patriots Bank reported total assets of $268.8 million in its FFIEC call report.
Where is Patriots Bank headquartered?
It is headquartered in Garnett, KS, United States.
When was Patriots Bank founded?
It was established in 1899, per the FDIC institution directory.
Is Patriots Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18019). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Patriots Bank?
Patriots Bank's primary federal regulator is the FDIC.
How many branches does Patriots Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Patriots Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
What was Patriots Bank previously called?
The charter now named Patriots Bank has also operated as Kansas State Bank (1973-2002), per FDIC structure-change records.
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