Patriots Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Patriots Bank of Garnett, KS against its peer group of 2603 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 | 1.60% | 1.34% | +0.26% | 69th above |
| ROAE | 18.51% | 13.32% | +5.19% | 82nd top |
| Net Interest Margin | 4.65% | 3.93% | +0.72% | 84th top |
| Efficiency Ratio | 60.28% | 61.13% | -0.85% | 53rd above |
| PPNR / Avg Assets | 1.82% | 1.68% | +0.14% | 63rd above |
| Yield on Earning Assets | 6.92% | 5.67% | +1.25% | 94th top |
| Cost of Funds | 2.37% | 1.88% | +0.49% | 19th bottom |
| Net Interest Spread | 4.10% | 3.32% | +0.78% | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.08% | 1.28% | -0.20% | 36th below |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.20% | 12.14% | -2.94% | 15th bottom |
| Equity / Assets | 8.80% | 11.37% | -2.57% | 24th bottom |
| TCE / Tangible Assets | 8.80% | 11.08% | -2.28% | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.78% | 80.66% | +7.12% | 33rd below |
| Core Deposit Ratio | 93.14% | 86.85% | +6.29% | 75th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.91% | 5.04% | -1.13% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.61% | 6.84% | +0.77% | 73rd above |
| Loan Growth (Y/Y) | 8.90% | 7.92% | +0.98% | 69th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.61% | 6.29% | -1.68% | 55th above |
See Patriots Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Patriots 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 Patriots Bank profile, how to read a UBPR, or how this data updates.