Patterson State 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 Reserve coverage of non-performing loans: 134.97 percentage points lower than in Q1 2026, at 59.56%. Within Louisiana, Patterson State Bank is 83rd of 103 on return on assets, 0.65% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Patterson State Bank sits 0.61 points lower, at 0.65% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.03% |
| Tier 1 risk-based capital ratio | 17.03% |
| Total risk-based capital ratio | 18.28% |
| Tier 1 leverage ratio | 8.92% |
| Equity capital to assets | 7.97% |
| Tangible equity to tangible assets | 7.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.92% |
| Non-performing assets ratio | 1.24% |
| Net charge-off ratio | 0.73% |
| Texas ratio | 14.37% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 59.56% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.65% |
| Return on equity | 8.16% |
| Net interest margin | 3.12% |
| Efficiency ratio | 75.16% |
| Yield on earning assets | 4.84% |
| Cost of funds | 1.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.94% |
| Core deposits to total deposits | 85.07% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.59% |
| Securities to assets | 28.68% |
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 | 16.15% | 16.15% | 17.40% | 9.16% | 0.31% |
| Q4 2023 | 15.42% | 15.42% | 16.67% | 9.14% | 0.28% |
| Q1 2024 | 16.23% | 16.23% | 17.48% | 8.81% | 0.44% |
| Q2 2024 | 16.64% | 16.64% | 17.89% | 9.00% | 0.49% |
| Q3 2024 | 16.45% | 16.45% | 17.70% | 9.45% | 0.26% |
| Q4 2024 | 15.74% | 15.74% | 16.99% | 9.16% | -0.34% |
| Q1 2025 | 16.23% | 16.23% | 17.49% | 9.05% | 0.31% |
| Q2 2025 | 16.51% | 16.51% | 17.77% | 9.28% | 0.42% |
| Q3 2025 | 16.65% | 16.65% | 17.90% | 9.36% | 0.35% |
| Q4 2025 | 16.25% | 16.25% | 17.51% | 9.06% | 0.46% |
| Q1 2026 | 17.14% | 17.14% | 18.40% | 8.80% | 0.60% |
| Q2 2026 | 17.03% | 17.03% | 18.28% | 8.92% | 0.65% |
Patterson State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Patterson State 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 Patterson State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12609) · FFIEC NIC profile (RSSD 85931)