# PATTERSON STATE BANK
PATTERSON, LA · FDIC certificate 12609 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $330.7M | |
| Deposits | $296.3M | |
| Loans and leases | $192.4M | |
| Total equity | $26.4M | |
| Loans / deposits | 64.20% (p18 of band) | 82.04% |
| Liquid assets / assets | 39.75% (p82 of band) | |
| Uninsured deposits / deposits | 30.45% (p67 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.51% (p38 of band) | |
| FHLB advances / assets | 1.51% | |
| Tier 1 leverage | 8.92% (p12 of band) | 10.81% |
| Unrealized securities loss / equity | -17.27% (p27 of band) | -8.10% |
| AOCI / equity | -0.28% (p54 of band) | |
| ROA (annualized) | 0.61% (p14 of band) | 1.28% |
| Net interest margin | 3.03% (p11 of band) | 3.91% |
| Efficiency ratio | 77.44% (p86 of band) | |
| Noncurrent loans | 1.78% (p86 of band) | 0.43% |
| Net charge-offs (annualized) | 0.20% (p91 of band) | |
| Reserve coverage of noncurrent | 64.18% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 56.06% (p61 of band) | |
| Auto loans | $411,000 (0.21% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.0% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | charge-offs p90 |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 2 | deposits shrinking |  |
| 2016-09 | 1 |  | deposits shrinking |
| 2016-12 | 3 | deposits shrinking, assets shrinking |  |
| 2017-03 | 3 | charge-offs p90 | assets shrinking |
| 2017-06 | 2 |  | deposits shrinking |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | charge-offs p90 |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 2 | reserve under noncurrent | capital falling |
| 2024-09 | 0 |  | securities losses >30% of equity, reserve under noncurrent |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 | capital falling | securities losses >30% of equity |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 1 | expense ratio p90 |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | capital falling | expense ratio p90 |
| 2026-06 | 2 | charge-offs p90, reserve under noncurrent | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-04-16 [Patterson State Bank Celebrates 100th Anniversary with Ribbons Cuttings at all Three Locations - KQKI News](https://news.google.com/rss/articles/CBMitwFBVV95cUxPQjZjV3VDenR2X3RWcnZ6ZWFhLUZ5Q2FUVXlHN2dxZ3FLTGk5a050Z3k5MU9vM2ctaEE2MDRfYlR6MHhNVXBMWjZGSEhfLXpuRVpjZG1wamoyZFkyN2wzR1RBWHZiOXR3aTF2RDdTTUwwTmU3d0oxdXVsdHdaNV95WXpCcDViOXZUUUtEdkJLUFZpX2x1bFdHcVBQUjhpVU1KTktHT1JSVUNVaUkzcGpZdUc4WFhNV3M?oc=5) · KQKI News
- 2024-05-19 [Teresa Cheramie Obituary May 19, 2024 - Twin City Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9aaThzczhoWmUtX1JNTWJEYk53VUR6aWNtclFEdmt2Q19femRrR1h6cnJLOF9KZXQtUmljX3MzRHItNmxDSzFnYTRuNUtlOGtvQnkwQkxUamRhYzFTWTctOVdCZw?oc=5) · Twin City Funeral Home
- 2021-10-29 [Carol Vinning Obituary (2016) - Patterson, LA - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNeHRiQUlzYUZ5TDcyd1ZCb1NqbzVuaG5kUHNHdkc3U2NPS0hEaWtMWjFsSWNhbWc0QXkxd2g5LU1obUxvTTFvSjJYUUVOVlB3SWhoNVhkcTY0VDdZQkpaVUk3UXMxWElLbnE4QUtLOF9EZGZoWkNSWTRldGs1U29od2FHSWtKd0djWUF5N0JjZXROQQ?oc=5) · legacy.com
- 2022-09-26 [Gloria Jean Leger Gunther - KQKI News](https://news.google.com/rss/articles/CBMiW0FVX3lxTE9ZSU9uV2FtVHd1cTNHVW9xaHhoS3ZjZzhoZ1lLMUtyZUZhbk9FOXZvMl82eVJzanhMWU9KOG9lRlpxR2RRMmRxb09Fa0J1Q1huZC1iQUJkMFZrWjA?oc=5) · KQKI News
- 2018-03-15 [David Daley Obituary - Morgan City, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPbXZoeF92d3c2UkVNMUI3UWNpQm5KQ1BWZUljVkhaVlRsVGNZV3A5bGZsdk5xTFJIMUx5OVJfMXhwdUNlZ3lOWnNOazIxTGdEUHJZeXFHZldOY2gxNWpJWEtEcWtSVFh1SFhzN1o3NnBIZ0VkemRtZFI5QVA4V1JjcUNjRQ?oc=5) · Dignity Memorial
- 2026-03-24 [Leopold Drobnic - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNb1p6dGFVX2h6b2ZHNWJHdHJkcVpCUHNMb3dvMmxJSWtvUFFraGJYOVExRmlpbXlFcnpvUWJha243Zi1TZ2tuQUFyTGFUR2FxQjJHNmh2VXBER2NGYktJcGtqWUV5Y0tQZEE3a0VXVlRHTG15d1NYc1hoQmFPUF9wNG9RUGx4ODFhY21xOW1SbnBDeUE?oc=5) · legacy.com
- 2025-09-03 [Morgan City Police National Night Out Against Crime Announced - KQKI News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQRm1yZ2xoU1doYmdXaEcwallJLTJFZlFhSUtkUWtBRElDLVFoRDZPazktaWllSTZUOEdIby15NkNnQ3RUdWRRSXBMd2hLLURFRnJiN21KY2UtaDlrNDRFUjltQ3BlWHk3Mlk1VnhVdW5TdTdIZ21VQkh3REM3bHBKM2NaRUNEVlJFRlhN?oc=5) · KQKI News
- 2011-02-26 [Clifford Watson Obituary - Morgan City, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQMHlBdlZydFVkV0dfR1Iya24zWWwyMTNDdWFsQXM2Y3hZZjkzcFloMWtqTVlOS2htNzE1YkN0MnJNdkp4WHdVbjl1aDFqeEhqUklaUXk0bjFCT1pnaDNoRmlOeVBWU0d5WGhKZVJzcWtpa3JDLV9wbXNhQ2gtejUwVE82WWtrYXJ3?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12609 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "12609", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide