# PATRIOTS BANK
LIBERTY, MO · FDIC certificate 57651 · asset band <$300M · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $88.0M | |
| Deposits | $80.4M | |
| Loans and leases | $45.6M | |
| Total equity | $7.4M | |
| Loans / deposits | 55.96% (p31 of band) | 66.54% |
| Liquid assets / assets | 38.10% (p52 of band) | |
| Uninsured deposits / deposits | 12.93% (p55 of band) | 11.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.91% (p11 of band) | 10.04% |
| Unrealized securities loss / equity | 0.13% (p19 of band) | 2.48% |
| AOCI / equity | -0.24% (p48 of band) | |
| ROA (annualized) | -0.25% (p8 of band) | 0.72% |
| Net interest margin | 3.22% (p32 of band) | 3.55% |
| Efficiency ratio | 104.82% (p93 of band) | |
| Noncurrent loans | 0.29% (p24 of band) | 1.19% |
| Net charge-offs (annualized) | 0.17% (p78 of band) | |
| Reserve coverage of noncurrent | 480.15% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 51.66% (p82 of band) | |
| Auto loans | $185,000 (0.41% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.5% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | losing money |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling, expense ratio p90 | reserve under noncurrent |
| 2012-03 | 2 | assets shrinking | capital falling, expense ratio p90 |
| 2012-06 | 3 | expense ratio p90 |  |
| 2012-09 | 2 |  | assets shrinking |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | capital falling |  |

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

- 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
- 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
- 2021-08-16 [Danny Fisk - Meyers Funeral Chapel Kansas City MO](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5saFdMaVp1TkZzRlFRNjNSZWZ2UC1McEJQaTRrbTRCUEk4dlVkWG1JanR2dEhRYU8wV3l6R29zTjhPNWZ5VmpSQkhIdFlVSG5zUThrbkRMZEtEam9xckFmekdn?oc=5) · Meyers Funeral Chapel Kansas City MO
- 2020-11-01 [Robert C. Capps Obituary Nov 1, 2020 - Park Lawn Funeral Homes](https://news.google.com/rss/articles/CBMiakFVX3lxTE02bi10WjF3a3VNZF96VFozLVk2cDNjRi1Cb25OS0t6Z0NQd0dYRHdFVUdIUXFOa2Q5M0J4ZVRudTFTckU1a09Lc3ZHRUl0TWxsZkMtS0NYTFJxaU5BU1l5aTd3YU5KUy1seUE?oc=5) · Park Lawn Funeral Homes
- 2018-05-12 [Jeremy Mitchell Obituary - Kansas City, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPdDRyM0tWMmVWMUFlTk9vc3VBZWh3SURSbVF5c2dvTnJaNEdqOWR4aFNua2MyaWZkWVdGUFVkb1pFNTBxcW5pRXM3Mk1RVWd3ZzR4TGdMdnk0YUpLT05PUTRZaGs1U3l0b3czUWZMX3lzY1JGQjZzbG1OMmplSVRQenZ0Y01MT1BJ?oc=5) · Dignity Memorial
- 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
- 2021-10-26 [Mary Ann (Disciacca) McCall - Meyers Funeral Chapel Kansas City MO](https://news.google.com/rss/articles/CBMiakFVX3lxTE0tS2xnTXMxLVFPRzJHZnRzU0J2OUtUZTdSNDYwaHBsWHh3UnF2b0c5NktFOXRVU3V4WFhlTHB0UFJKeWNxVTZGSS12amxiS1R0T0QwSU9pV2w4eTY3cnRobGtVa2xDN1RUblE?oc=5) · Meyers Funeral Chapel Kansas City MO
- 2023-03-11 [James Carlyle "Jim" Enochs - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPUEZrN0xGSFh5SS14YzVLS1hyZ2dKQ0xPWmVISUJadG1hX2VnZjROOENodDgwZFBOMW8wTkJxNWQyNEJZRUZmaHpNZjVrZExLVW5SVXgwR2w3MmR6SURoRktmbE5naFFMVUVicnpJSlNqOFVWZjN6b19IV0JyRXpsVA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57651 (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/51.json (key "57651", 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