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Patriot Bank

Millington, TN · Cert 57416 · 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
Loan mix
90%RE $220.3M8%C&I $18.9M2%Consumer $4.9MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $314.5M22%Noninterest $87.9MQ2 2025Q2 2026

NIM

4.54%Q2 ’244.59%Q2 ’254.60%Q2 ’26+10%+3%

Non-interest income vs. expense

3.36%Q2 ’243.44%Q2 ’253.49%Q2 ’26+2%+1%

Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 0.9% share · #21 of 48 inst. · $0.4B of $46.3B

0.7% Shelby
16.7% Tipton

Executive Summary

  • Earnings: ROA of 0.38%, down 2 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 1.09% of loans (+75 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 9.89%, down 1 bps from a year ago.
  • Funding: loans stand at 63.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.38%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+9 bps YoY

Efficiency Ratio (YTD, annualized)

86.05%-133 bps YoY

Tier 1 Leverage Ratio

9.89%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.41%0.40%0.23%0.38%-2 bps
Return on Equity4.68%4.57%4.41%2.43%4.11%-57 bps
Net Interest Margin3.05%3.19%3.16%3.08%3.14%+9 bps
Efficiency Ratio87.38%85.98%86.08%89.49%86.05%-133 bps
Non-Interest Burden2.55%2.60%2.59%2.68%2.57%+3 bps
Growth
Asset Growth (YoY)-5.37%-2.63%-2.33%-2.56%2.77%+814 bps
Loan Growth (YoY)-8.45%-1.26%3.24%7.76%8.39%+1,684 bps
Deposit Growth (YoY)-3.75%-3.59%-2.59%-2.56%3.74%+749 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.64%0.95%1.36%1.09%+75 bps
Net Charge-Offs / Loans0.13%0.10%0.33%0.00%-0.03%-16 bps
Allowance / Loans1.23%1.23%1.01%0.99%1.00%-23 bps
Allowance Coverage of NPLs3.6x1.9x1.1x0.7x0.9x-2.7x
Capital
Tier 1 Leverage Ratio9.90%10.39%9.97%10.00%9.89%-1 bps
Total Risk-Based Capital13.82%13.75%13.24%13.24%13.12%-70 bps
Equity / Assets8.84%9.77%9.51%9.44%9.04%+20 bps
Liquidity & Funding
Loans / Deposits60.69%63.70%63.14%64.46%63.40%+272 bps
Liquid Assets / Assets3.45%0.07%0.46%0.52%1.81%-163 bps
CRE / Total Capitaln/a273%285%293%n/an/a