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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Millington, TN · FDIC certificate #57416
PATRIOT BANK is an FDIC-insured institution based in Millington, TN (FDIC certificate #57416). In its Q3 2026 Call Report it reported total assets of $448M, total deposits of $399M and net loans of $257M. Its primary federal regulator is FED.
Plain-language readout
PATRIOT BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $451M in Q2 2026 and were lowest at $430M in Q1 2026.
Total deposits were highest at $402M in Q2 2026 and lowest at $382M in Q1 2026.
Over the whole period total assets rose 4.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $448M | $399M | $257M | 0.41% | 4.44% | 3.48% |
| Q2 2026 | $451M | $402M | $253M | 0.38% | 4.11% | 3.45% |
| Q1 2026 | $430M | $382M | $244M | 0.23% | 2.43% | 3.39% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $20.9M | $7.2M | +$13.7M | +190.8% |
| Federal funds sold | $15.5M | $8.1M | +$7.4M | +92.1% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $135.7M | $143.6M | -$7.9M | -5.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $9.2M | $6.8M | +$2.4M | +35.1% |
| Net loans and leases (after allowance) | $243.3M | $237.3M | +$6.1M | +2.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $13.8M | $13.9M | -$116K | -0.8% |
| Other real estate owned | $0K | $257K | -$257K | -100.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $363K | $363K | $0K | 0.0% |
| All other assets | $12.4M | $12.7M | -$338K | -2.7% |
| Total assets | $451.2M | $430.2M | +$21.0M | +4.9% |
| Liabilities | ||||
| Total deposits | $402.3M | $382.4M | +$19.9M | +5.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $4.0M | $3.4M | +$611K | +17.8% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.0M | $3.7M | +$304K | +8.2% |
| Total liabilities | $410.4M | $389.6M | +$20.8M | +5.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $3.3M | $3.3M | $0K | 0.0% |
| Surplus | $6.3M | $6.3M | $0K | 0.0% |
| Retained earnings | $34.2M | $34.2M | -$6K | -0.0% |
| Accumulated other comprehensive income | -$3.0M | -$3.2M | +$177K | +5.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $40.8M | $40.6M | +$171K | +0.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.8M | $3.6M | -$831K | -23.1% |
| Adjusted nonperforming assets | $2.8M | $3.6M | -$831K | -23.1% |
| Tangible equity plus allowance | $43.0M | $42.7M | +$291K | +0.7% |
| Texas ratio (gross) | 6.45% | 8.45% | -1.99 pts | See points |
| Texas ratio (adjusted) | 6.45% | 8.45% | -1.99 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 6.60% | 8.59% | -1.99 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.39% | 12.54% | -0.15 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.39% | 12.54% | -0.15 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.73% | 0.70% | +0.03 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.12% | 13.24% | -0.12 pts | See points |
| Tier 1 leverage (approximate) | 9.89% | 10.00% | -0.11 pts | See points |
| Construction and land loans to total capital | 64.46% | 68.35% | -3.89 pts | See points |
| Commercial real estate to total capital | 181.71% | 185.54% | -3.84 pts | See points |
| Dividend payout, year to date | 71.77% | 0.00% | +71.77 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -9.59% | -10.15% | +0.56 pts | See points |
| Liquidity | ||||
| Core deposits | $341.5M | $326.0M | +$15.5M | +4.8% |
| Non-core funding | $64.8M | $59.9M | +$5.0M | +8.3% |
| Loans to core deposits | 72.00% | 73.53% | -1.53 pts | See points |
| Loans to deposits | 61.12% | 62.68% | -1.56 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 60.26% | 57.53% | +2.73 pts | See points |
| Loans pledged, share of loans | 19.03% | 17.60% | +1.42 pts | See points |
| Volatile liabilities | $82.8M | $76.9M | +$5.8M | +7.6% |
| Earnings | ||||
| Earnings before provision, year to date | $1.2M | $440K | +$807K | +183.4% |
| Earnings before provision, single quarter | $807K | $440K | +$367K | +83.4% |
| Provision for credit losses, year to date | $125K | $40K | +$85K | +212.5% |
| Yield and cost | ||||
| Yield on loans and leases | 6.32% | 6.22% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 3.19% | 2.85% | +0.33 pts | See points |
| Total interest income to average assets | 4.69% | 4.55% | +0.14 pts | See points |
| Cost of interest-bearing transaction accounts | 0.09% | 0.26% | -0.17 pts | See points |
| Cost of savings and money market deposits | 1.43% | 1.33% | +0.09 pts | See points |
| Cost of time deposits | 3.57% | 3.53% | +0.05 pts | See points |
| Total interest expense to average assets | 1.43% | 1.47% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $448M | $399M | $257M | 0.41% | 4.44% | 3.48% |
| 2026-06-30 | $451M | $402M | $253M | 0.38% | 4.11% | 3.45% |
| 2026-03-31 | $430M | $382M | $244M | 0.23% | 2.43% | 3.39% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $387.8M | 0.17% | 78 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.