# PATRIOT BANK
TULSA, OK · FDIC certificate 34098 · asset band $300M-1B · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (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 | $329.9M | |
| Deposits | $277.7M | |
| Loans and leases | $309.3M | |
| Total equity | $37.1M | |
| Loans / deposits | 109.91% (p94 of band) | 85.45% |
| Liquid assets / assets | 3.38% (p0 of band) | |
| Uninsured deposits / deposits | 20.15% (p47 of band) | 21.11% |
| Brokered deposits | 41.79% | |
| Wholesale funding | 45.81% (p99 of band) | |
| FHLB advances / assets | 4.02% | |
| Tier 1 leverage | 10.27% (p50 of band) | 10.27% |
| Unrealized securities loss / equity | 0.00% (p43 of band) | 0.09% |
| AOCI / equity | 0.00% (p8 of band) | |
| ROA (annualized) | 2.40% (p98 of band) | 0.96% |
| Net interest margin | 4.15% (p81 of band) | 3.65% |
| Efficiency ratio | 37.13% (p2 of band) | |
| Noncurrent loans | 0.27% (p28 of band) | 0.60% |
| Net charge-offs (annualized) | 0.09% (p76 of band) | |
| Reserve coverage of noncurrent | 482.16% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 136.81% (p97 of band) | |
| Auto loans | $20,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 18.4% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 3 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 1 | uninsured deposits leaving | loans exceed deposits, liquid assets <10% |
| 2013-03 | 5 | loans exceed deposits, wholesale funding >15%, liquid assets <10%, deposits shrinking |  |
| 2013-06 | 2 | construction >100% equity | uninsured deposits leaving, loans exceed deposits, wholesale funding >15%, deposits shrinking |
| 2013-09 | 2 | capital falling | liquid assets <10% |
| 2013-12 | 4 | loans exceed deposits, liquid assets <10%, uninsured deposits leaving | capital falling |
| 2014-03 | 4 |  |  |
| 2014-06 | 5 | capital falling |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 4 |  | uninsured deposits leaving |
| 2015-03 | 6 | brokered >10%, wholesale funding >15% |  |
| 2015-06 | 5 |  | capital falling |
| 2015-09 | 5 |  |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 |  |  |
| 2016-06 | 5 | capital falling | loans exceed deposits |
| 2016-09 | 5 | loans exceed deposits | capital falling |
| 2016-12 | 4 |  | loans exceed deposits |
| 2017-03 | 5 | loans exceed deposits |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 5 |  |  |

## 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
- 2024-01-17 [Tennessee bank to pay $1.9M in redlining case - American Banker](https://news.google.com/rss/articles/CBMihwFBVV95cUxNZFpaOEdFSGpwdzdkaWVLdUJlZ1FPY2NmejVaLWlUQXRYdllxb2JocjYyMGU3OHZwX1d3cDdhXzBNaWh5S213Qmk0X1RVOEVyZzcyWUFpUk8yUHBIVXQ5aV9jSWdscE5mZUYyRmVrWUxCV21DdWVKellpaU1pSDlQSmhHaVdiLWs?oc=5) · American Banker
- 2025-05-17 [Patriot Bank (CT) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMifkFVX3lxTE43ekNSckdFMW5Qd2FoV3ZCQUJ3WWVyb3hONWhmZVFPYTd0ZGhYbElRSzJTNi10NTZkdlR0ZmgyQWVpbEJVVEdpdXkwSnltdF9ZZXprczBQRnU2SWhRT1pDa3dUSFdoWWpXcmFoelU5cUtHYXgyY194cTZQQmVvZw?oc=5) · SmartAsset
- 2017-12-18 [Kansas bank's M&A compounds again, making KC its largest market - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQaEJnRnRHd2pBQlZ2eWtlblctaTJzQkdHXzRUV3o5dTlKSHY3UjJRMkFlQ0xwNlp5WUJrTU9oSk8wS2NVa0NUSjc3YUVrNUZFM1ZXaG9GbnE5dmZPYktZTVBoUHZOWVVLNVVUTHJySF9tYkVwM0JSaXkzWjRUUzlxU19jVkd3cVdEajRqTzIwcVlxNTc2cXhha0h5d09hTzlUV1E?oc=5) · The Business Journals
- 2025-06-16 [DOJ quietly axes more redlining settlements with lenders - National Mortgage News](https://news.google.com/rss/articles/CBMioAFBVV95cUxQbUtQODBUTjZZalFhQWM4ZUIySEtDaWVwMmN1SG9XM0x1MEYxajVNdnpIcE5lMEFqaDBGMDRBU1dxNG1tVS1zaWYxbmZJcHFPV1c2TTBHdktLWHpzSlBTcHh5Tm1DQVRWSDB6VFVWZTF6Y0RaanlRY0JMUHZFOW9hSEgzeTVqQ1A5SWMyVkg4OXZhOGJ6V2l6LXlkOG5HUjlU?oc=5) · National Mortgage News
- 2019-05-12 [Financial: Ryan Yates, FIRSTAR BANK - tulsaworld.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPMUc4U3hmcGhxVFVJdmFIekNKM0l0cHk1VE1YcjJYRE1nTTBvWlc2WHRPel9QeHpqZkhDc2hlUGJqTlpfZmtaRURmNVJMT2V6M2d5a29UdjF3bDlBQTh4RlBmLS1MWGljSmdDc3FjZ3luT1RJZTRCYzdaVzFteTZQUDNKWnQyZXdZRUZaU2Q0bWVHc0dWSU8wNDl1SjY?oc=5) · tulsaworld.com
- 2017-09-06 [Kinderhook Bank gets shareholder OK to acquire community bank - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNUFNjX0dmNVBpcWhpR2NMb0dHX3dyVFFTZWpkOWJ1VHFQOG1XVjk4M1FnZnZGUmhtUWtHN080VGhqd3hYOGxFWG53MC1CVGlMSkpzdWdoY18xS0hDWXg0SzA2MEdwd0lIX2g4cmV1WWgxdFNuVDc4QkVManpnN3NhdTFFQXlVVXZNLUJYVy1aWklmdnpYYk5FN0p6ajJNNkJQSHdLaw?oc=5) · The Business Journals
- 2011-02-10 [Larry Carl Houchin Obituary Feb 10, 2011 - Fitzgerald Funeral Service](https://news.google.com/rss/articles/CBMic0FVX3lxTFBTNWJVRVh1TEVRQlh0YWtudkxzdjdUYmwwTWVFVGtMOUdsRUdxb08zWmRvYVAyQWYwLWV6VVp0ZDhNbkJuS2VGY0VSNGZQRmtOU0xCSWFxMzRfV0RMX2Q2MEoyR1B1SlVHOHR2ME1SOWxQMk0?oc=5) · Fitzgerald Funeral Service

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34098 (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/50.json (key "34098", 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