Patriots Bank
Garnett, KS · Cert 18019 · Peer group: banks under $1B in assets operating regionally (n=94) · Garnett Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$268.8MAssets
$204.9MLoans
$233.4MDeposits
$23.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating regionally (rank 6 of 94).
- Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets operating regionally (rank 90 of 94).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.45%
Rank 26 of 94
Net Interest Margin
4.42%
Rank 14 of 94
Efficiency Ratio
58.27%
Rank 32 of 94
Equity / Assets
8.80%
Rank 74 of 94
Non-interest income vs. expense
Unfavorable gap of $6.7M · efficiency ratio beats 67% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 0.82% | 1.19% | 1.46% | Beats 72% | 26 / 94 | | |
| Return on Equity | 16.48% | 7.85% | 11.84% | 14.03% | Beats 89% | 10 / 94 | | |
| Net Interest Margin | 4.42% | 3.42% | 3.81% | 4.18% | Beats 85% | 14 / 94 | | |
| Efficiency Ratio | 58.27% | 55.99% | 62.41% | 73.02% | Beats 67% | 32 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.19% | 0.47% | 1.14% | Beats 100% | 6 / 94 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 100% | 12 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 9.20% | 10.28% | 11.95% | 15.07% | Beats 4% | 90 / 94 | | |
| Total Risk-Based Capital Ratio | 9.20% | 10.31% | 12.59% | 15.88% | Beats 4% | 90 / 94 | | |
| Equity / Assets | 8.80% | 8.98% | 10.21% | 11.41% | Beats 21% | 74 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.78% | 72.62% | 84.44% | 94.55% | 64th pctl | 34 / 94 | | |
| Loans / Assets | 76.22% | 62.50% | 72.84% | 78.99% | 65th pctl | 33 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |