Patriots 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.
The standout move of Q2 2026 was in Deposits to assets: 2.23 percentage points lower than in Q1 2026, at 86.83%. Within Kansas, Patriots Bank is 72nd of 182 on return on assets, 1.60% as of Q2 2026, above the middle of the field. Patriots Bank reported 1.60% on return on assets for Q2 2026, 0.35 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.20% |
| Equity capital to assets | 8.80% |
| Tangible equity to tangible assets | 8.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.60% |
| Return on equity | 18.51% |
| Net interest margin | 4.65% |
| Efficiency ratio | 60.28% |
| Yield on earning assets | 6.92% |
| Cost of funds | 2.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.78% |
| Core deposits to total deposits | 93.14% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.83% |
| Securities to assets | 8.86% |
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 | 9.68% | 9.68% | 10.62% | 7.45% | 0.09% |
| Q4 2023 | 10.10% | 10.10% | 11.05% | 7.88% | 1.61% |
| Q1 2024 | 10.46% | 10.46% | 11.42% | 8.22% | 1.33% |
| Q2 2024 | 10.42% | 10.42% | 11.37% | 8.31% | 1.34% |
| Q3 2024 | 10.83% | 10.83% | 11.81% | 8.47% | 1.26% |
| Q4 2024 | 11.05% | 11.05% | 12.04% | 8.71% | 1.85% |
| Q1 2025 | 12.19% | 12.19% | 13.26% | 9.18% | 1.54% |
| Q2 2025 | 11.59% | 11.59% | 12.62% | 9.10% | 1.81% |
| Q3 2025 | 11.62% | 11.62% | 12.64% | 9.37% | 1.84% |
| Q4 2025 | 11.30% | 11.30% | 12.26% | 9.11% | 2.02% |
| Q1 2026 | 11.63% | 11.63% | 12.62% | 9.31% | 1.97% |
| Q2 2026 | — | — | — | 9.20% | 1.60% |
Patriots Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Patriots 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 Patriots Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18019) · FFIEC NIC profile (RSSD 297051)