# PATRIOT BANK
HOUSTON, TX · FDIC certificate 3258 · asset band $1-10B · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $1.43B | |
| Deposits | $1.06B | |
| Loans and leases | $1.09B | |
| Total equity | $152.5M | |
| Loans / deposits | 101.57% (p86 of band) | 86.97% |
| Liquid assets / assets | 18.93% (p35 of band) | |
| Uninsured deposits / deposits | 7.08% (p8 of band) | 24.91% |
| Brokered deposits | 2.53% | |
| Wholesale funding | 17.34% (p80 of band) | |
| FHLB advances / assets | 14.81% | |
| Tier 1 leverage | 10.33% (p60 of band) | 9.78% |
| Unrealized securities loss / equity | -0.90% (p3 of band) | 1.31% |
| AOCI / equity | 0.11% (p50 of band) | |
| ROA (annualized) | 0.67% (p22 of band) | 0.95% |
| Net interest margin | 3.03% (p22 of band) | 3.48% |
| Efficiency ratio | 76.06% (p83 of band) | |
| Noncurrent loans | 0.33% (p19 of band) | 0.71% |
| Net charge-offs (annualized) | -0.02% (p15 of band) | |
| Reserve coverage of noncurrent | 307.49% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 85.45% (p91 of band) | |
| Auto loans | $319,000 (0.03% of loans; DQ 0.63%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -1.9% | |
| Employees | 128 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | expense ratio p90, uninsured deposits leaving | construction >100% equity |
| 2012-06 | 2 |  | expense ratio p90 |
| 2012-09 | 3 | expense ratio p90 |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 1 |  | reserve under noncurrent, expense ratio p90 |
| 2013-06 | 2 | reserve under noncurrent |  |
| 2013-09 | 1 |  | uninsured deposits leaving |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | loans exceed deposits, wholesale funding >15% | uninsured deposits leaving |

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

- 2026-07-02 [OCC ends enforcement against Patriot Bank - Banking Dive](https://news.google.com/rss/articles/CBMiigFBVV95cUxPSjRFNnhhQ2NQM3VqM0s3RFI1czJoUXRhc05ySU1FVWZQTGdTMUtfOXZ3bTQycUdSbVU1WkZIRW5CSTJLMlRvYnFlWW0zRld3c0JpVXNNbVVKTFpjdmx0NEVITF9vM0ItUU5zWUd0Xy0wM2NwRFB0YllVNTh2dzlaWVlMSlFWMndaT0E?oc=5) · Banking Dive
- 2024-01-30 [DOJ Settles with Patriot Bank for Redlining in Memphis - Consumer Finance Monitor](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQaFNQS01qSnlUX3ZnTEp0bW5VX25HM29sMG56dGJWcnhKbkZ3bnhTUXZYVk1HSXR3dy0waUVHaVBUSEtORDJTdEVSTEpINUlGRjFJaHJ5amdiZ2JsbXNKQkZVM1FzTUhQMWU3c2RrUU8xbnJFUG02MVVGSGJPYk5wcFRueWI5WHQzMGhiYUUzVXlLRGlfMV9pYUY1cWpUN2l2a3pscllFaG8?oc=5) · Consumer Finance Monitor
- 2026-06-22 [CT bank plans Florida office as part of wealth-banking expansion - Hartford Business Journal](https://news.google.com/rss/articles/CBMipAFBVV95cUxNb3U4YktEa0NjM0MxNjlqR1NRWXZRNTBrbzVHUW56S2RYdDJzUWRLNTNMVndSSjdxcm1rcVd0Uzg5N3hqYkZyaU00UV95SklKUjFmYWJFaWIyQzlQVU5xaUlSN0ViNjZoUURtb2dUdVRTN2lRNHRDSy04NGhlRWJaVGM0Z3BOdVUtcDROLXpzb3RvaS1PZTZQM3JtQkJVVmh5Q1ExYg?oc=5) · Hartford Business Journal
- 2026-06-29 [Patriot Bank opens flagship Beverly Hills branc... - Pluang](https://news.google.com/rss/articles/CBMipwFBVV95cUxNVENxakxzOVdLYVBPN25KMmZYRU1UU0VHR2ZEdkxFS0VtNXVyUTg2R1B3SHVwUEc3bTBVZ1ZROHNvOTdsUnNfOU0wUDJqcFhjNFl1N0NyTE5oZzVNX3FybFpGYjNXalNfR1ZqelhiNnBsZHc3b1FjUFNGQ2ljOTlBVlljSzYwbHJLX182QjJSQlpuc2l5eGk0ekNmWkZaN2J0c3R1aHUxaw?oc=5) · Pluang
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-06-17 [More Early Terminations of Redlining Consent Orders - Consumer Finance Monitor](https://news.google.com/rss/articles/CBMipAFBVV95cUxOSlVoeFNfMnVaQmY1LWZucDJlcmJsUnlveHlBeUdlaDlvU2ZKb2JpZzRmVl9NQzhxUnR5eXZZZFNkQXlOUW1fUUFWMUdXTXl3aXRfX0RCdktocGZWZnNxVFpMWlJ6REx3QXhnb0M2VXF1UjB2NDN3MDZYcnAxQUZEMEdBQm4ycklUTW45Y3ZGSDlSTE1mblU4RDN4LW9MNzhMZzBTNw?oc=5) · Consumer Finance Monitor
- 2026-07-14 [5 Things to Know About the Atlas Credit Card From Patriot Bank - NerdWallet](https://news.google.com/rss/articles/CBMiggFBVV95cUxNUDh2MU1VNFByM3JSQlBuLU82ZmxpbDBuODJWdHlpVGRUNnV5bzlhVTBKem5uc2M0RHRET0FnSHdnaFB2eXB3eS1aZjRKUkUzVmdDRXlkU1RFQl9jdXJ2VDB1azZ0cU5hWGI3dzQwUEM5NWFmT1R2ZUxlT2JuWVdGdC1B?oc=5) · NerdWallet
- 2025-05-17 [Patriot Bank (CT) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMifkFVX3lxTE43ekNSckdFMW5Qd2FoV3ZCQUJ3WWVyb3hONWhmZVFPYTd0ZGhYbElRSzJTNi10NTZkdlR0ZmgyQWVpbEJVVEdpdXkwSnltdF9ZZXprczBQRnU2SWhRT1pDa3dUSFdoWWpXcmFoelU5cUtHYXgyY194cTZQQmVvZw?oc=5) · SmartAsset

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3258 (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/58.json (key "3258", 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