Patterson State Bank
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Data as of · sourced from FFIEC call reports. How we update
Patterson State Bank is an FDIC-insured commercial bank headquartered in Patterson, LA, established in 1925 (FDIC certificate 12609), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $330.7M, up 7.6% from Q2 2025, the 55th largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 17.03% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12609
- Headquarters
- Patterson, LA
- Established
- 1925
- Total assets, Q2 2026
- $330.7M
- Assets vs Q2 2025
- +7.6%
- CET1 ratio, Q2 2026
- 17.03%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 065200803
- Latest call report
- Q2 2026, FFIEC 051 · Patterson State Bank call report
- Holding company
- PATTERSON BANCSHARES, INC.
- Asset rank in state
- 55th of 102 in Louisiana
Problem loans are rising at Patterson State Bank. The Patterson, Louisiana bank had $331 million in assets at June 30, 2026, up 7.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.78% of loans from 0.09% a year earlier. It funds 8.92% of its assets with Tier 1 capital, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also carries problem assets equal to 13.4% of the capital and reserves that would absorb them, 5.1 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $535,000, 67% above the same quarter a year earlier. Over the same year, loans shrank 1.8% and deposits grew 8.0%. Its margin is thin by comparison: it keeps 3.12 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Patterson State Bank reported a CET1 capital ratio of 17.03%, a return on assets of 0.65%, a nonperforming-loan ratio of 1.78% and a Texas ratio of 13.44%. The figures come from its call report filed with the FFIEC.
Of the 102 banks headquartered in Louisiana, Patterson State Bank is the 55th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.4% to $330.7M, loans fell 0.1% and deposits fell 0.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 72.4% of total loans, ahead of construction and land development loans at 7.7%. Its 3 offices in the FDIC Summary of Deposits are in Patterson, LA, Morgan City, LA and Berwick, LA; its Patterson office books 64% of its branch deposits. On its Q2 2026 call report, Patterson State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1130 Highway 90, Patterson, LA 70392
- County
- St. Mary
- Metro Area
- Morgan City, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1925
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $296.3M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $345K
- Average total assets
- $331.5M
- Average total loans
- $188.3M
- Average interest-bearing deposits
- $232.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12609
- Fed RSSD
- 85931
- SEC CIK
- 1503178 → filed by PATTERSON BANCSHARES, INC.
- Website
- www.pattersonstatebank.com →
- Parent Holding Company
- PATTERSON BANCSHARES, INC. (RSSD 3631469)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Patterson State Bank's total assets ranged from $305.8M (Q3 2024) to $352.9M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$330.7M total assets against $307.2M; $304.3M total liabilities against $282.8M.
$190.2M net loans and leases against $193.5M; $296.3M total deposits against $274.4M.
$94.8M securities against $80.0M; $37.1M cash and balances due against $25.2M.
$3.9M total interest income against $3.8M; $1.4M total interest expense against $1.5M.
$2.5M net interest income against $2.3M.
$250K total noninterest income against $259K; $2.1M total noninterest expense against $2.1M.
$18K provision for credit losses against $120K.
$535K net income against $321K.
0.65% return on assets against 0.42%; 3.12% net interest margin against 3.12%.
17.03% CET1 capital ratio against 16.51%; 8.92% tier 1 leverage ratio against 9.28%.
Inside the full Patterson State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePatterson State Bank rankings
Its closest position to the top of a national ranking is 387 of 3,640, for Texas Ratio; its furthest is 3,089 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.34% (Q4 2024) to 0.65% (Q2 2026) and its net interest margin ran from 2.72% (Q3 2024) to 3.12% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.03% | 0.65% | 1.78% | 13.44% | 3.12% |
| Q1 2026 | 17.14% | 0.60% | 0.54% | 3.65% | 3.04% |
| Q4 2025 | 16.25% | 0.46% | 0.46% | 3.16% | 3.10% |
| Q3 2025 | 16.65% | 0.35% | 0.39% | 2.73% | 3.04% |
| Q2 2025 | 16.51% | 0.42% | 0.09% | 0.64% | 3.12% |
| Q1 2025 | 16.23% | 0.31% | 0.50% | 3.70% | 2.79% |
| Q4 2024 | 15.74% | -0.34% | 0.01% | 0.09% | 2.72% |
| Q3 2024 | 16.45% | 0.26% | 0.33% | 2.31% | 2.72% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Patterson State Bank (main office) | Patterson , LA | 70392 | $189.9M |
| Morgan City Branch | Morgan City , LA | 70380 | $75.1M |
| Berwick Branch | Berwick , LA | 70342 | $31.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in LA, rank 64 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Patterson State Bank
What are Patterson State Bank's total assets?
As of the Q2 2026 filing, Patterson State Bank reported total assets of $330.7 million in its FFIEC call report.
Where is Patterson State Bank headquartered?
It is headquartered in Patterson, LA, United States.
When was Patterson State Bank founded?
It was established in 1925, per the FDIC institution directory.
Is Patterson State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12609). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Patterson State Bank?
Patterson State Bank's primary federal regulator is the FDIC.
What is Patterson State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.03% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Patterson State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Patterson State Bank's Texas Ratio?
Its Texas Ratio is 13.44% 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.
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