Patriot Bank
Millington, TN · Cert 57416 · Peer group: banks under $1B in assets (n=581-629) · Security Bcorp of TN Inc.
State charter, Fed member · FED · 3 affiliate banks · 8 branches (21 in holding)
Q2 2026
$451.2MAssets
$255.1MLoans
$402.3MDeposits
$40.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 56% of banks under $1B in assets (rank 257 of 581).
- Widest gap: return on assets trails 85% of banks under $1B in assets (rank 535 of 629).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.37%
Rank 535 of 629
Net Interest Margin
3.14%
Rank 438 of 629
Efficiency Ratio
86.05%
Rank 524 of 629
Equity / Assets
9.04%
Rank 476 of 629
Non-interest income vs. expense
Unfavorable gap of $11.3M · efficiency ratio beats 17% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.37% | 0.60% | 1.01% | 1.45% | Beats 15% | 535 / 629 | |
| Return on Equity | 4.10% | 5.38% | 9.30% | 13.28% | Beats 19% | 511 / 629 | |
| Net Interest Margin | 3.14% | 3.03% | 3.54% | 4.05% | Beats 30% | 438 / 629 | |
| Efficiency Ratio | 86.05% | 58.35% | 67.79% | 79.08% | Beats 17% | 524 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.09% | 0.09% | 0.46% | 1.20% | Beats 28% | 419 / 581 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 56% | 257 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 12.39% | 11.24% | 13.84% | 18.77% | Beats 37% | 397 / 629 | |
| Total Risk-Based Capital Ratio | 13.12% | 11.58% | 14.43% | 19.66% | Beats 40% | 377 / 629 | |
| Equity / Assets | 9.04% | 9.09% | 10.65% | 13.80% | Beats 24% | 476 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 63.40% | 67.24% | 80.90% | 93.48% | 22nd pctl | 466 / 594 | |
| Loans / Assets | 56.54% | 53.31% | 67.71% | 78.15% | 29th pctl | 446 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |