Patriots Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 9.20% +0.20 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $25.0M | 25,001 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $271.7M | 271,679 | RCOAA224 |
| Recomputed ratio | 9.20% | numerator / denominator | |
| Filed ratio | 9.20% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.20 pp | $550K | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 3,140 | 3,140 | 3,140 | 3,140 | 3,140 | 3,140 | RCOAP742 |
| Retained earnings | 21,861 | 21,930 | 20,605 | 20,416 | 19,258 | 18,914 | RCOAKW00 |
| Accumulated other comprehensive income | (1,340) | (1,662) | (1,278) | (1,511) | (2,079) | (2,270) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 23,661 | 23,408 | 22,467 | 22,045 | 20,319 | 19,784 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,340 | 1,662 | 1,278 | 1,511 | 2,079 | 2,270 | P859 - P840 |
| Common equity Tier 1 capital | 25,001 | 25,070 | 23,745 | 23,556 | 22,398 | 22,054 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 25,001 | 25,070 | 23,745 | 23,556 | 22,398 | 22,054 | RCOA8274 |
| Tier 2 capital | NA | 2,124 | 2,024 | 2,067 | 1,992 | 1,937 | |
| Allowance includable in Tier 2 capital | NA | 2,124 | 2,024 | 2,067 | 1,992 | 1,937 | |
| Total capital | NA | 27,194 | 25,769 | 25,623 | 24,390 | 23,991 | |
| Total risk-weighted assets | NA | 215,569 | 210,190 | 202,640 | 193,300 | 180,884 | |
| Average total assets for the leverage ratio | 271,679 | 269,216 | 260,725 | 251,385 | 246,148 | 240,277 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 9.20% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.63% | 11.63% | 12.62% | 9.31% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.30% | 11.30% | 12.26% | 9.11% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.62% | 11.62% | 12.64% | 9.37% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.59% | 11.59% | 12.62% | 9.10% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.19% | 12.19% | 13.26% | 9.18% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.05% | 11.05% | 12.04% | 8.71% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 10.83% | 10.83% | 11.81% | 8.47% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 10.42% | 10.42% | 11.37% | 8.31% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 10.46% | 10.46% | 11.42% | 8.22% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 10.10% | 10.10% | 11.05% | 7.88% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 9.68% | 9.68% | 10.62% | 7.45% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Patriots Bank (this bank) | CBLR | NA | NA | NA | 9.20% | |
| Westside State Bank | $268.7M | Risk-based | 12.29% | 12.29% | 13.32% | 8.82% |
| North Valley Bank | $268.6M | CBLR | NA | NA | NA | 13.52% |
| Riverside Bank of Dublin | $269.0M | CBLR | NA | NA | NA | 9.14% |
| Lamar Bank and Trust Company | $269.0M | CBLR | NA | NA | NA | 10.20% |
| Arlo Bank | $269.1M | CBLR | NA | NA | NA | 13.53% |
| Freedom Financial Bank | $269.3M | Risk-based | 10.36% | 10.36% | 11.62% | 9.30% |
| The Bank of Deerfield | $268.3M | Risk-based | 12.95% | 12.95% | 14.20% | 10.49% |
| The First National Bank and Trust Company of Broken Arrow | $269.5M | Risk-based | 19.97% | 19.97% | 21.22% | 16.42% |
| Community Bank of Georgia | $269.5M | CBLR | NA | NA | NA | 10.99% |
| South Georgia Bank | $269.5M | Risk-based | 20.57% | 20.57% | 21.84% | 10.60% |
| Peer 25th percentile | 12.29% | 12.29% | 13.32% | 9.53% | ||
| Peer median | 12.95% | 12.95% | 14.20% | 10.55% | ||
| Peer 75th percentile | 19.97% | 19.97% | 21.22% | 12.89% | ||
| This bank's percentile | NA | NA | NA | 20 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/297051/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.