# PATRIOT BANK
MILLINGTON, TN · FDIC certificate 57416 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $451.2M | |
| Deposits | $402.3M | |
| Loans and leases | $255.1M | |
| Total equity | $40.8M | |
| Loans / deposits | 62.77% (p15 of band) | 82.04% |
| Liquid assets / assets | 38.15% (p80 of band) | |
| Uninsured deposits / deposits | 32.14% (p73 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.90% (p33 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.89% (p31 of band) | 10.81% |
| Unrealized securities loss / equity | -10.22% (p42 of band) | -8.10% |
| AOCI / equity | -0.02% (p72 of band) | |
| ROA (annualized) | 0.38% (p9 of band) | 1.28% |
| Net interest margin | 3.45% (p25 of band) | 3.91% |
| Efficiency ratio | 86.05% (p93 of band) | |
| Noncurrent loans | 1.47% (p83 of band) | 0.43% |
| Net charge-offs (annualized) | -0.02% (p6 of band) | |
| Reserve coverage of noncurrent | 68.25% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 72.74% (p74 of band) | |
| Auto loans | $1.3M (0.51% of loans; DQ 3.79%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.7% | |
| Employees | 85 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 1 |  | reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | capital falling | construction >100% equity |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, charge-offs p90 |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | capital falling, reserve under noncurrent |  |
| 2020-06 | 1 |  | reserve under noncurrent |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | construction >100% equity |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | securities losses >30% of equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 | expense ratio p90 | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 4 | securities losses >30% of equity, uninsured deposits leaving |  |
| 2023-09 | 3 |  | uninsured deposits leaving |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 4 | charge-offs p90, assets shrinking |  |
| 2024-12 | 3 |  | assets shrinking |
| 2025-03 | 3 | assets shrinking | charge-offs p90 |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | assets shrinking |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 | reserve under noncurrent | construction >100% equity |
| 2026-06 | 2 |  |  |

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

- 2024-01-30 [DOJ Settles with Patriot Bank for Redlining in Memphis - consumerfinancemonitor.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQaFNQS01qSnlUX3ZnTEp0bW5VX25HM29sMG56dGJWcnhKbkZ3bnhTUXZYVk1HSXR3dy0waUVHaVBUSEtORDJTdEVSTEpINUlGRjFJaHJ5amdiZ2JsbXNKQkZVM1FzTUhQMWU3c2RrUU8xbnJFUG02MVVGSGJPYk5wcFRueWI5WHQzMGhiYUUzVXlLRGlfMV9pYUY1cWpUN2l2a3pscllFaG8?oc=5) · consumerfinancemonitor.com
- 2025-02-25 [Patriot Bank and OCC Sign Agreement to Strengthen Oversight and Payment Activities - Consumer Financial Services Law Monitor](https://news.google.com/rss/articles/CBMi2wFBVV95cUxObXE5Q2FpNjQ2Q0NhY0lpbXQ4blFyZUloSlZzUFRROEZWRmtwUFpiUVQzalliWkdQLW9PeU1TYXBqeU8tbTlSdEF0Nk5JUkZIZUR3NHByS1d0dFZjUU41SVRSNG9XMWEwOHQ2dUEwVUdyRUdwdXF4amFIZGxlNnVtdkdHTHlUaHl4VWZ2MnBKemRWckwzTFAwNERzWVk3bk9IWldEVzROcjhyV0J2V2d0LWxWY3pfVTBRVnZXUXRBdU85MVlpSWpoekN1ZUNOZ25KU1pKWjMtcHZuMDg?oc=5) · Consumer Financial Services Law Monitor
- 2023-10-12 [Steve Weaver, Hired at Patriot Bank - The Business Journals](https://news.google.com/rss/articles/CBMijgFBVV95cUxNOVZjQ203eVpheWZsYTR4bkNfaG5hRVdENWN4ZjR6S3Z4N3Q0aU9BTEpidHBRd29fdlp1c0NxRzQwa3lKUVdQNHg0TU1iVUZ2ellnamUyWEMtMGYtd1ZDRU5CQVZwRFY3SHIzU0lOWFhzV1V1SWRDd3d0T1RNXy15eURJM05MTk9JemNjQUNR?oc=5) · The Business Journals
- 2024-01-17 [Patriot Bank agrees to settlement with DOJ over race-based lending allegations in Memphis - The Commercial Appeal](https://news.google.com/rss/articles/CBMi-AFBVV95cUxOY09hdUZYb01tdmhkZ0tQRWZ5ZzN1d1JoSTVBQ3FaQldocnpiVWFTRE5kU08xT2VMQUVCN05mbVM2ckdQZUhIVWkycU4tWFNPSkRfOTc4UFNxYjJIUUxTQVlGdThyMF9qRlp0WlhQWFNHMU1qcHNfanlpS2NsQlB4THl6b1BhUlVwZHZmbHZEeXFzTkJhbktvTGpiU3l6MTBRREV1b2l3UWhiMkVBN05qMjV1RmtCRHVKa2J1MTNFQ1dRR0RSZ0wwclhfUEs3cWRkU1hTNFlhejZiQUJWYi1GY0VJSm05bnA3QjZ1X3FMMVhzcnRzSGROZg?oc=5) · The Commercial Appeal
- 2024-01-19 [Patriot Bank to pay $1.9M to settle DOJ’s redlining accusations - HousingWire](https://news.google.com/rss/articles/CBMioAFBVV95cUxNb1FKREVIc2dmeWxaTnNqSFBqQUpNVTZZRDhtQmwxdml2bUtSUzZKS2VxRV9NOWdJbDhPME81bFFLczNWQzdWcGVFRTdVTHRVNmI5ZjBoUWxYTDdfNm9lajhmMjBEMHFwRG1VcVEyTlN2NThrU29lcEhhd3UwZ3FPTEdURTZzMGlsOERwdHQxbkIwbEozRjZLUEFVMGVmVmcy?oc=5) · HousingWire
- 2020-12-21 [Meet the Chairman’s Circle: Tina Walker - Greater Memphis Chamber of Commerce](https://news.google.com/rss/articles/CBMihAFBVV95cUxPMGJRVEU3Tlh6LTMydEwtSldySnVVRE85U2h2TXItZDVRdFE5X01JOFFlUWQ4Wmd1UGNFMzlXaUJ0eVR5NUlOTWQ0Z1dwSnFtdTczYnE1b2xqaVVaZjBqaXY1djJDUDJrckxxR3Fma3JfZy12VDJIRjVqX3pMckpGYjRITmw?oc=5) · Greater Memphis Chamber of Commerce
- 2024-01-17 [Feds settle with Millington bank accused of redlining - WREG.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPT2ZNVXY0MkM1T3Z0TGxjR3lkVVdNelpZVEhtZlN1b3hXc1dBdTJxTFNvMUJPclczRndreWZWbXdPWldfcXpsQXU4Nnd2TFVDZUMzSWZZbXpYSXJtUFUyMy1vY09uaEN4bkxmdmRDWDMxWVBISnRyaGhYR05hblowYUNWUFcyb1JDUVlj0gGQAUFVX3lxTFBIcnUtdktzWm5IaUdidldQNmVGTzVUd2xlWUNNZGUyaU44RXBQM2FHbnUyM2pSTzJPTU5CSC12eHBmUnB1NnNidmswcXZrVV9IemthZzFkUXNMRnZ4dkdjb3ZTMVlqMGFSejJiZGRldFB0QjRkb1RmY1o2SWdzOTdtUGc2N2lTX1d4WHJJQUtTVA?oc=5) · WREG.com
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57416 (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/8.json (key "57416", 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