# PATRIOTS BANK
GARNETT, KS · FDIC certificate 18019 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $268.8M | |
| Deposits | $233.4M | |
| Loans and leases | $204.9M | |
| Total equity | $23.7M | |
| Loans / deposits | 86.83% (p74 of band) | 73.59% |
| Liquid assets / assets | 19.44% (p20 of band) | |
| Uninsured deposits / deposits | 12.90% (p24 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.91% (p68 of band) | |
| FHLB advances / assets | 3.91% | |
| Tier 1 leverage | 9.20% (p13 of band) | 11.76% |
| Unrealized securities loss / equity | -5.92% (p53 of band) | -6.57% |
| AOCI / equity | -0.26% (p56 of band) | |
| ROA (annualized) | 1.81% (p80 of band) | 1.17% |
| Net interest margin | 4.78% (p85 of band) | 3.93% |
| Efficiency ratio | 58.27% (p31 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 86% | |
| Construction % of loans | 18.37% (p51 of band) | |
| Auto loans | $3.7M (1.79% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $768,000 (3% of equity) (p97 of band) | |
| Deposits YoY | 4.6% | |
| Employees | 41 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 2 | charge-offs p90 |  |
| 2011-09 | 1 |  | losing money |
| 2011-12 | 0 |  | charge-offs p90 |
| 2012-03 | 1 | losing money |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 0 |  | losing money, capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | assets shrinking |  |
| 2013-06 | 2 | deposits shrinking |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | assets shrinking |
| 2014-03 | 0 |  | deposits shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 2 | noncurrent p90 |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 | capital falling | reserve under noncurrent, noncurrent p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | uninsured deposits leaving |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | uninsured deposits leaving |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | noncurrent p90, reserve under noncurrent | capital falling |
| 2021-12 | 3 | charge-offs p90 |  |
| 2022-03 | 2 |  | charge-offs p90 |
| 2022-06 | 2 |  |  |
| 2022-09 | 5 | capital falling, AOCI drag >20% of equity, construction >100% equity |  |
| 2022-12 | 5 | charge-offs p90 | AOCI drag >20% of equity |
| 2023-03 | 4 |  | charge-offs p90 |
| 2023-06 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2023-09 | 1 | charge-offs p90 | capital falling, construction >100% equity |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | charge-offs p90 |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2025-07-02 [Carol Mechnig Obituary Jul 2, 2025 - Feuerborn Family Funeral Service](https://news.google.com/rss/articles/CBMiaEFVX3lxTFA3Yll5aDlHSFFsOW1sRTRvMG5nbnJWNngwZC1ralQ1T1V0Y1hnY1R3QVV4cEJEVTlmTjdlRm5BZk5TMHpyQ3R5VTE5NVI1SU5yaWhpSGxzb3pvWUppY1FtYVQ2ZkRVUDJY?oc=5) · Feuerborn Family Funeral Service
- 2025-03-31 [Kansas City’s five strongest small banks based on year-end numbers - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxOamRNRUxhbG5EcWk3Um5UdWlJMXhpWklEZUl1Y1ZhM05RUHlSSEFvZXRaeWhHTDBIR216NHlKZXppcldaWlIxVHVSNVh3dnJ2S1BtTUJwY0NHNmhEeVFwejBhTF9BMEk0X2pJSEh0RVRmemVHeWhtYlNNUjlITFlpckNJRHFtcVZUNlI2V0o5a1ZmWkNNV2IzTnFlTkNtSVE?oc=5) · The Business Journals
- 2026-07-16 [Kevin Byard Snubbed in ESPN Safety Rankings as Patriots Bank on Bounce-Back - Athlon Sports](https://news.google.com/rss/articles/CBMinAFBVV95cUxOaEZVNGQ3eHl2VHRzMHZQZ3AyOU51V3dyazRrLTl2eWU2YTlDekNqOWNlaWFNSDB1S1pPejhFc0pLOGJrQVFhUXRXcGpfWGtpZUw2QW5KTzI0ZEFRbzk3REk5N0lKclZPUGFoQzBqU3BsVEVUUzBvSWFjNzFfcTQ2LUViYzV6MHVqSW51RUJYUm9pOUxKWWZIcXp2Q0s?oc=5) · Athlon Sports
- 2025-06-05 [Jimmy W. Cooper Obituary Jun 5, 2025 - Feuerborn Family Funeral Service](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE92ZlFoZ3pOMGVsYXpQa091UnVMU2w3S3c1WmlmUEo3SmVHaGhvTTVWcHlqbkVjRUpScjB6TThwTmdpbXBvZ3FJTVNYT2dvR21Ka3l0QnE5NzFFNzNZRjRZd3o1bHV5dlU?oc=5) · Feuerborn Family Funeral Service
- 2024-08-18 [Trevor Lewis Obituary | Bruce Funeral Home, Inc. | Gardner, KS - Tribute Archive](https://news.google.com/rss/articles/CBMicEFVX3lxTE83c1dRVkxIV19wdVRiclpndlVvc2FfOTQ3NThSNllBRDk3aER1WnpvU0xHaHpBb3VtRjc5UHVscmVLOS1kcHQ2U1NXZGl4STMwaS13OV8zX2RnV0kxVVVjZVl5ckhyazk5T09tNnowR0s?oc=5) · Tribute Archive
- 2020-03-27 [KC's five strongest small banks of 2019 - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxOa0xVdFRLTjd1Rm0yOHNFX1k1QXkxV3NsZUJRei1sQU9xbTItV1pCY3R6UEhUSXpDU2JhbWVqaERaLVVxSndfMkJBd3o4Z3hleG9jWWxUNjNUMGhDNC1hcUxERlFjR1ZFTER6X1R3akF6dFBVRW5uOHU5WGduc1Ria0FQVl9kSm04bDFhRkYwdXM4UEt5aTd2N1Ewd0hBQQ?oc=5) · The Business Journals
- 2018-05-12 [Jeremy Mitchell Obituary - Kansas City, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPdDRyM0tWMmVWMUFlTk9vc3VBZWh3SURSbVF5c2dvTnJaNEdqOWR4aFNua2MyaWZkWVdGUFVkb1pFNTBxcW5pRXM3Mk1RVWd3ZzR4TGdMdnk0YUpLT05PUTRZaGs1U3l0b3czUWZMX3lzY1JGQjZzbG1OMmplSVRQenZ0Y01MT1BJ?oc=5) · Dignity Memorial
- 2022-12-26 [Charles Holloran Obituary Dec 26, 2022 - Feuerborn Family Funeral Service](https://news.google.com/rss/articles/CBMibEFVX3lxTE1ySFRSazJWTW15WEhyQVhxZkczQXBXeUlDZGtMeGRqLXlWRi1wck9pSTVxM1kwaEttaFhJZm50bEFRc2dza09wLXRvOV9QaVN1VHZ1MDdoMXZlVE95dFluUmRTMFNFZjIzX0F3TA?oc=5) · Feuerborn Family Funeral Service

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18019 (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/35.json (key "18019", 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