# PATRIOT BANK
BROOKLYN, IA · FDIC certificate 14783 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 1 (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 | $53.9M | |
| Deposits | $49.5M | |
| Loans and leases | $21.3M | |
| Total equity | $2.5M | |
| Loans / deposits | 41.43% (p12 of band) | 70.22% |
| Liquid assets / assets | 54.70% (p82 of band) | |
| Uninsured deposits / deposits | 11.17% (p44 of band) | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.32% (p59 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 5.03% (p1 of band) | 10.41% |
| Unrealized securities loss / equity | -11.26% (p3 of band) | 0.24% |
| AOCI / equity | 24.32% (p99 of band) | |
| ROA (annualized) | 0.12% (p12 of band) | 0.79% |
| Net interest margin | 3.14% (p24 of band) | 3.62% |
| Efficiency ratio | 96.53% (p90 of band) | |
| Noncurrent loans | 0.27% (p27 of band) | 0.88% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 1356.14% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 26.68% (p65 of band) | |
| Auto loans | $357,000 (1.68% of loans; DQ 5.04%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.7% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, losing money, expense ratio p90 |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 5 | capital falling, reserve under noncurrent |  |
| 2012-03 | 3 |  | capital falling, reserve under noncurrent |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 6 | leverage <5%, capital falling |  |
| 2013-03 | 4 |  | losing money, capital falling |
| 2013-06 | 7 | AOCI drag >20% of equity, securities losses >30% of equity, assets shrinking |  |
| 2013-09 | 7 |  |  |
| 2013-12 | 8 | deposits shrinking |  |
| 2014-03 | 6 | capital falling, losing money | AOCI drag >20% of equity, securities losses >30% of equity, assets shrinking, deposits shrinking |
| 2014-06 | 1 |  | expense ratio p90, leverage <5%, capital falling, losing money |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-01-22 [Patriot Bank, OCC ink deal over ‘troubled’ condition - Banking Dive](https://news.google.com/rss/articles/CBMinwFBVV95cUxPenBybHVCSTBwdHJaUnVTMHM4M2VZUkNidW1kcTFqM002QkR6NXcxengyd3Q5cmpKOTJ2QUgxcHhPWEJwRm03dlNKNS1jcmdidkVNV1A3cXlESGduNEJBQk5US1lGTUJDb2x6b29Vd045MkYtZi1ySml1Wm5pN2N5OGhXVU90TkhkV3QyeVJ4bU1YM1o4N19ST3J2OG50U1E?oc=5) · Banking Dive
- 2026-06-21 [SVB Sues Patriot Over $21M of Receivables in Parker Card Mess - Fintech Business Weekly | Jason Mikula](https://news.google.com/rss/articles/CBMijgFBVV95cUxQYl9rRG5FcDUxVGp1U2JDR01OcGtvaTVvVEUyakU1ZVFmVTh3VjZYWldHdGx5QU5XZjNyMkYtbXFrUzFiZlVSbWZHMVBQRGdfVjFDUWs1LTY3TXJoaHhwTkh2M2NNU21lN2VqWDFZTHdFR1V3ellFN2ZhN1F1NVpjMFZFYnN6QTFRQ2ZHMnJ3?oc=5) · Fintech Business Weekly | Jason Mikula
- 2025-03-24 [Patriot National raises $50M, CEO exits - Banking Dive](https://news.google.com/rss/articles/CBMihAFBVV95cUxNOFFVTWJ3OS1VZVFNVkpOVGo5UUl3N1gtM3dLSFJqQk9xZkJDdzlDTFF6ZkZ6V2JuM1V5Zmx1djBIcml0Y1BpVS1KWTRrN0VWSEw5QUp3OFlBZk03cU4tTUtlNlZ6X1JVdF9vLUItblBuZjk0dHlGRDhtbGs4S2NVZlBWV0c?oc=5) · Banking Dive
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2024-01-18 [Patriot Bank to pay $1.9M to settle DOJ redlining probe - Banking Dive](https://news.google.com/rss/articles/CBMijAFBVV95cUxNeVFuUWdFUmdIaHFBOVB3ZUdHeXNJSXRhR2Fka01xM2ptcl91am9nSFd5Zzg1eENjdVV3a2pqb0dwQVRZLWt5cnpLVVdCNkw1RTc1dVdZb01YaThxUWpsYzQ3Z1ZxR2Rwc2VHYVIyMGtqTm5SbFVtVFFNNFBkekVUcmVSLUpoOGJnUmF4UQ?oc=5) · Banking Dive
- 2024-05-04 [Anastasia Hart Obituary (1957 - 2024) - Atoka, IA - Globe Gazette - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQSVEwU3VwYjdzUDBGb1Bfd01XelpIdjhNMXI2REl1c3hiWElCODNCUXJFNFBSc3BYT3hqc1RTamI5dE5hLVZKNDNNeFVIY3RIOUxzanA1SS03ZGpuaGVITVBlYWFoVGtYRVloRU5jLW9UUThBQ01WdVRvT2dZT2dJQkx3Z3hpMkxjRVgzY0E2Slo3QnhL?oc=5) · legacy.com
- 2022-08-22 [Credit Suisse emerges as missing piece in neobank’s crumbled merger - Banking Dive](https://news.google.com/rss/articles/CBMizgFBVV95cUxNYWJOU2oxU2JmR0VkU1VKd0hnNXkzWXNQQkJXZXdLS0FpVkpLZVpyQ2JCU2l5aWdmcHlfWkRiamRoNlotUjFGM1haZThyVXM0M3ZmWjRRRmJIaVhLSE1RV3RfeEZJdS11Sm9VaHdMVG5IVFpERGdPOHloMVl3dS1ZcldsbjMtbWowdkRBMHFiOVlMRmFEWl8zSEZBX2ZMQVYxRHBZZDZWdjcyeHNOd0gwMHJpR09vc2phdmlmaUlvVDBkT3Q5TFpQY1FiejhZQQ?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14783 (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/63.json (key "14783", 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