# AMERICAN PATRIOT BANK GREENEVILLE, TN · FDIC certificate 57169 · asset band <$300M · latest filing 2016-09 · stopped filing (departed) **Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $58.0M | | | Deposits | $56.5M | | | Loans and leases | $39.3M | | | Total equity | $1.2M | | | Loans / deposits | 68.30% (p38 of band) | 75.30% | | Liquid assets / assets | 12.44% (p9 of band) | | | Uninsured deposits / deposits | 2.34% (p3 of band) | 14.23% | | Brokered deposits | 0.00% | | | Wholesale funding | 0.00% (p18 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 2.04% (p0 of band) | 10.87% | | Unrealized securities loss / equity | 0.83% (p36 of band) | 1.65% | | AOCI / equity | 0.91% (p54 of band) | | | ROA (annualized) | -0.31% (p4 of band) | 0.88% | | Net interest margin | 4.00% (p70 of band) | 3.67% | | Efficiency ratio | 106.73% (p96 of band) | | | Noncurrent loans | 2.24% (p83 of band) | 0.69% | | Net charge-offs (annualized) | 0.04% (p64 of band) | | | Reserve coverage of noncurrent | 85.67% | | | Real estate % of loans | 83% | | | Construction % of loans | 114.04% (p97 of band) | | | Auto loans | $420,000 (1.07% of loans; DQ 5.71%, NCO 0.01%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | -11.9% | | | Employees | 22 | | ## Flags firing in the latest filing - **leverage <7%** (`cap_low`) - **leverage <5%** (`cap_critical`) - **losing money** (`earn_negative`) - **expense ratio p90** (`earn_efficiency`) - **reserve under noncurrent** (`aq_reserve`) - **construction >100% equity** (`conc_construction`) - **deposits shrinking** (`shrink_deposits`) - **assets shrinking** (`shrink_assets`) - **uninsured deposits leaving** (`flight_uninsured`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 9 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity | | | 2011-06 | 8 | | charge-offs p90 | | 2011-09 | 10 | capital falling, charge-offs p90 | | | 2011-12 | 10 | | | | 2012-03 | 6 | assets shrinking | losing money, expense ratio p90, noncurrent p90, capital falling, charge-offs p90 | | 2012-06 | 9 | losing money, expense ratio p90, deposits shrinking, uninsured deposits leaving | reserve under noncurrent | | 2012-09 | 8 | | uninsured deposits leaving | | 2012-12 | 10 | noncurrent p90, reserve under noncurrent | | | 2013-03 | 6 | | construction >100% equity, losing money, expense ratio p90, noncurrent p90 | | 2013-06 | 7 | construction >100% equity | | | 2013-09 | 12 | capital falling, losing money, expense ratio p90, noncurrent p90, uninsured deposits leaving | | | 2013-12 | 11 | | uninsured deposits leaving | | 2014-03 | 10 | | deposits shrinking | | 2014-06 | 9 | deposits shrinking | construction >100% equity, capital falling | | 2014-09 | 9 | construction >100% equity | deposits shrinking | | 2014-12 | 10 | deposits shrinking | | | 2015-03 | 11 | charge-offs p90 | | | 2015-06 | 10 | | noncurrent p90 | | 2015-09 | 11 | noncurrent p90 | | | 2015-12 | 9 | | reserve under noncurrent, noncurrent p90 | | 2016-03 | 10 | reserve under noncurrent | | | 2016-06 | 9 | | charge-offs p90 | | 2016-09 | 10 | uninsured deposits leaving | | ## In the news (Google News, unfiltered, newest first; check the city) - 2017-03-11 [American Patriot Bank Merges With Apex To Avoid FDIC Ownership - GreenevilleSun.com](https://news.google.com/rss/articles/CBMikgJBVV95cUxPRXhaVEx1RFFCVV9SN0ZQX2N4ZmpCVnpuSEZVUzY1QUY2TEpCTXhvY2JJMk1MUEtsMGRweWNSLVRpMkI5aG9yTXhVbFNDU3RrWHdleWlPVWZBM0xza0d3V2dXSVg0R2FNRmVfVm1LaDFXaXJDY3BadTNyX1NvdDY0UDcxZXlNSkNsWTdxbk1VRFNfSGZfaTZHb1J3a1IxNzV0bHNnR2JiVDBHa0Y1azZodGRWYWZjUkgxWmgwcjBidWFHenh5RXB1X0xLbFFPTFZWc183RktEcFA3eGwyQm1uVDlhTnBNc21EemZMVHNiZHBZRC1TenAxSkJBeUFEN1NsdkpKOGlxRFliUTlOdGRrMmdB?oc=5) · GreenevilleSun.com - 2023-02-27 [TN banking company says it's going to buy former Scripps HQ in West Knoxville - WBIR](https://news.google.com/rss/articles/CBMi7AFBVV95cUxPUVdNQVdHSzRhZ0Q0b3FQOHQ4b2p2Z3dPR1YwT1BHOW5JeFhDNmVtSGZHWFVsWDZ0WUdrZVotbl95cE5xSzJfQWt6NnRNQU1ldFVGOXIwQ0pIRmh0SVdNS1lwS0NucEpKQmotTl9qVUlJbTBCdGlfYWFfZDNQamxaVGg3YW0wMkMyVE9pYThZUHB1SFd4T3U1N0JTNUdKYVBpa0pjYWtod1hlM2VHaHAtX0FhU08wdHJaNjh5X01SZVFpUThELUVENkh3UUE1aU5kWHR4c3V1SWhtWHBVQjdELXF2MzhZX3dSNENWLQ?oc=5) · WBIR - 2024-11-21 [Brenda Diane Pilson Obituary Nov 21, 2024 - Smith Funeral & Cremation Service](https://news.google.com/rss/articles/CBMic0FVX3lxTFAxaHhmRFFiMV9uS0ExU1JMdEQ0Wlh2ZU0tRENJYkZxUW5MeEQxRGdidFpPbXlTeFNVNUlHYVR3Y3U1ZXltSVR2Z0VxODI3MzR1RG5OYUVTZ05JVUd1eHpELUd5U1VHZnBhSlpOMktzczhHLWc?oc=5) · Smith Funeral & Cremation Service - 2020-10-14 [Apex Bank opens in Rogersville - The Rogersville Review](https://news.google.com/rss/articles/CBMiowFBVV95cUxNUjR3eERkV3F4Y0plbmlINm9OcnBuMXg2TzlaaWhlYWRIZmVtVGlDanBYTW5mMXlEVmp1YWNHUHRDZzZmSXVYeThuLTRCbGxCZ2ZMdDRvYmY1WUxfd093bnpHWnBYYkJIYUl6OE9lZkd1TXBwdVlrVVdFUXBOOW9MSXA5N0lyOVh1bm5tQU93WVVpUXFORzJIWWJ6V0hBcmZIUjZN?oc=5) · The Rogersville Review - 2023-03-31 [Apex Bank buys former Scripps HQ in West Knoxville for $35 million - WBIR](https://news.google.com/rss/articles/CBMiywFBVV95cUxNWGdiWkFFS0lnX2VadXNraklnTFUyMXNPVkF5bG1pb2JIV0J3dFhaQWstYnNOcGJ3UV91TzhyeFFQUlp0cEV2Y3RFX0xBMk5tOVZPcWlwZ2RtYldzbUFBMEt3UzdJaV9ENVpZdzNEaTNwX3M4bEdpOFZkREFDS2JiWWRLT3RoSDVvbmFfZmtERzc2S1RJTUlYWm42cTBURmJTYlRpRF84R1dXSC1rZGRabnliV08xcnBFMHZ6S2luNVZaRjQwMXF4Z2NUQQ?oc=5) · WBIR - 2018-03-05 [Allen Sentelle Obituary - Greeneville, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxNd0NmaFlKWnVSTllTOVk0UkVEUUFKTUthWTVXNEowY0FtLTNSbHZmbUs0b1NhSUtWWnBtbkw2bFlDWGtOTlNYZ0hvaVhqODNkQmhTdEtYRzEtRXdveHFQOWU0UVpIT3BOb25pLWZLX1RFTXZKdjhnV1pFTWw1Y0FtVXVWWi0xWTA?oc=5) · Dignity Memorial - 2018-10-25 [Apex Bank Opens Branch In Mosheim - GreenevilleSun.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOb3Q5THZKY3hYYkhpOThvamtHcldhMVNOZHcwb1FJdnVhRURJUTNod2ZJRGpxaDdyMEhlZmREd3ZQWUVsR3NUNngxM1phSl9YUE02T0xhRl95ZW9HWGNGeEdyVUc4bkgyT3dVRXRJYXJJZHZWaW54TUVqMzc1OXFUVFdsY0dkZEc1Q3NaUXFUVnF3UUE3TUxib3UwNWl1M0tRbExRT05CUTRPSnQ4Qy0zMVl2WERkZzZrRzE4c2phYVpMSm96ekk5OG81ZGJCVkFMSWViSGRFMER5MVk?oc=5) · GreenevilleSun.com - 2019-01-10 [Apex Bank Shifts Greeneville Branch To Renovated Location - GreenevilleSun.com](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQSFgxV0ZnSU9PTUVTakVnNzd1UGZULWlTbUQ4S1k3YUJ3NnZzTU40SFpGM0ZJQ0psQmlwQ0t6QlRNalFpSll3OHpYOWpIM0VxdzFNMWJ4SzFyZEFERmlhMjFsMFNXLTJ3UVJCV1c2R2xpZXVXWnJGOGlNb3lReHFiMG1rZVdlb2RnZ0pVREtoc3h2LVRvNmE4MEQ3UWFjRmVvX1NEWlNIM3FZNDFSbG5nVmw0MU1oRE4xTDQ0aXNQanpLZks1R3B2ZmE5a3FHeExycWxQU055aW8wd2dER1Rqa0xPZ1p6ZU41TEEwWjg5Tm4zUWM0bk5DSXdZNA?oc=5) · GreenevilleSun.com ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=57169 (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/17.json (key "57169", 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide