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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Garnett, KS · FDIC certificate #18019
PATRIOTS BANK is an FDIC-insured institution based in Garnett, KS (FDIC certificate #18019). In its Q3 2026 Call Report it reported total assets of $271M, total deposits of $235M and net loans of $205M. Its primary federal regulator is FDIC.
Plain-language readout
PATRIOTS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $271M in Q3 2026 and were lowest at $269M in Q2 2026.
Total deposits were highest at $241M in Q1 2026 and lowest at $233M in Q2 2026.
Over the whole period total assets rose 0.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $271M | $235M | $205M | 1.71% | 19.76% | 4.74% |
| Q2 2026 | $269M | $233M | $203M | 1.81% | 20.83% | 4.78% |
| Q1 2026 | $271M | $241M | $207M | 1.99% | 23.11% | 4.88% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $24.9M | $27.9M | -$3.0M | -10.9% |
| Federal funds sold | $3.6M | $824K | +$2.8M | +333.7% |
| 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) | $23.8M | $23.2M | +$611K | +2.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $528K | $534K | -$6K | -1.1% |
| Net loans and leases (after allowance) | $202.1M | $206.1M | -$3.9M | -1.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.2M | $6.6M | +$1.7M | +25.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| 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) | $0K | $0K | $0K | n/a |
| All other assets | $5.7M | $5.5M | +$188K | +3.4% |
| Total assets | $268.8M | $270.6M | -$1.7M | -0.6% |
| Liabilities | ||||
| Total deposits | $233.4M | $241.0M | -$7.5M | -3.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $10.5M | $5.0M | +$5.5M | +110.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.2M | $1.2M | +$42K | +3.5% |
| Total liabilities | $245.2M | $247.2M | -$2.0M | -0.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $193K | $193K | $0K | 0.0% |
| Surplus | $2.9M | $2.9M | $0K | 0.0% |
| Retained earnings | $21.9M | $21.9M | -$69K | -0.3% |
| Accumulated other comprehensive income | -$1.3M | -$1.7M | +$322K | +19.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $23.7M | $23.4M | +$253K | +1.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $25.9M | $25.5M | +$343K | +1.3% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | 11.63% | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | 11.63% | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | 0.99% | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | 12.61% | Not reported | See points |
| Tier 1 leverage (approximate) | 9.20% | 9.31% | -0.11 pts | See points |
| Construction and land loans to total capital | 15.97% | 20.02% | -4.05 pts | See points |
| Commercial real estate to total capital | 188.40% | 198.67% | -10.28 pts | See points |
| Dividend payout, year to date | 47.97% | 0.00% | +47.97 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -5.60% | -6.94% | +1.33 pts | See points |
| Liquidity | ||||
| Core deposits | $217.4M | $224.6M | -$7.2M | -3.2% |
| Non-core funding | $26.5M | $21.3M | +$5.2M | +24.3% |
| Loans to core deposits | 94.00% | 92.68% | +1.32 pts | See points |
| Loans to deposits | 87.55% | 86.40% | +1.15 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 93.90% | 93.75% | +0.16 pts | See points |
| Loans pledged, share of loans | 15.35% | 15.64% | -0.29 pts | See points |
| Volatile liabilities | $40.0M | $39.4M | +$631K | +1.6% |
| Earnings | ||||
| Earnings before provision, year to date | $2.7M | $1.4M | +$1.2M | +85.6% |
| Earnings before provision, single quarter | $1.2M | $1.4M | -$208K | -14.4% |
| Provision for credit losses, year to date | $190K | $100K | +$90K | +90.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.81% | 8.02% | -0.21 pts | See points |
| Yield on interest-bearing balances due from banks | 3.56% | 3.52% | +0.05 pts | See points |
| Total interest income to average assets | 6.49% | 6.73% | -0.24 pts | See points |
| Cost of interest-bearing transaction accounts | 0.64% | 0.60% | +0.04 pts | See points |
| Cost of savings and money market deposits | 1.64% | 1.24% | +0.40 pts | See points |
| Cost of time deposits | 3.81% | 4.06% | -0.25 pts | See points |
| Total interest expense to average assets | 2.14% | 2.20% | -0.05 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 | $271M | $235M | $205M | 1.71% | 19.76% | 4.74% |
| 2026-06-30 | $269M | $233M | $203M | 1.81% | 20.83% | 4.78% |
| 2026-03-31 | $271M | $241M | $207M | 1.99% | 23.11% | 4.88% |
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 |
|---|---|---|---|---|
| KS | $195.3M | 0.19% | 100 | Continuing · -0.00 pp |
| MO | $27.8M | 0.01% | 249 | Continuing · +0.00 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.