| Metric | Patriot Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.4% | -1.6 pts |
| Deposit growth (YoY) | +3.7% | +4.0% | -0.2 pts |
| Loan growth (YoY) | +8.6% | +5.6% | +3.1 pts |
| ROA | 0.38% | 1.24% | -0.9 pts |
| ROE | 4.1% | 11.9% | -7.8 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $451.2M | $402.3M | $252.5M | $40.8M | $835K | 0.38% | 3.45% | 0.83% |
| Q1 2026 | $430.2M | $382.4M | $244.1M | $40.6M | $246K | 0.23% | 3.39% | 0.84% |
| Q4 2025 | $426.2M | $376.3M | $235.2M | $40.5M | $1.7M | 0.40% | 3.44% | 0.53% |
| Q3 2025 | $424.6M | $370.2M | $232.9M | $41.5M | $1.3M | 0.41% | 3.40% | 0.35% |
| Q2 2025 | $439.0M | $387.8M | $232.4M | $38.8M | $893K | 0.41% | 3.35% | 0.18% |
| Q1 2025 | $441.5M | $392.5M | $225.7M | $38.3M | $307K | 0.28% | 3.19% | 0.21% |
| Q4 2024 | $436.4M | $386.3M | $227.2M | $37.4M | $1.1M | 0.25% | 3.17% | 0.31% |
| Q3 2024 | $436.1M | $384.0M | $235.4M | $39.3M | $829K | 0.24% | 3.17% | 0.34% |
Loan mix (Q2 2026): real estate $227.7M · commercial $18.5M · consumer $4.2M · securities $135.7M
| Ratio | Patriot Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 1.24% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 11.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% | 62.9% | 91st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Patriot Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Patriot Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Patriot Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Patriot Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Patriot Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
8 branches in 2 counties across 1 state (+0 vs 2024) · $387.8M branch deposits. Biggest market: Shelby, TN, ranked 23rd with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shelby, TN | 5 | $224.3M | 0.65% | 23rd |
| Tipton, TN | 3 | $163.6M | 22.57% | 2nd |
Tennessee: 92nd with 0.15% · Memphis metro: 23rd, 0.90% ·
Branch count: 2022 8 · 2023 8 · 2024 8 · 2025 8