# PATRIOT BANK
TRINITY, FL · FDIC certificate 57789 · asset band <$300M · latest filing 2017-06 · 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 | $154.5M | |
| Deposits | $131.8M | |
| Loans and leases | $129.6M | |
| Total equity | $19.7M | |
| Loans / deposits | 97.38% (p87 of band) | 75.51% |
| Liquid assets / assets | 9.47% (p5 of band) | |
| Uninsured deposits / deposits | 18.46% (p66 of band) | 14.70% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.35% (p46 of band) | |
| FHLB advances / assets | 0.97% | |
| Tier 1 leverage | 11.13% (p54 of band) | 10.91% |
| Unrealized securities loss / equity | -0.37% (p25 of band) | 0.10% |
| AOCI / equity | 0.28% (p32 of band) | |
| ROA (annualized) | 0.91% (p53 of band) | 0.87% |
| Net interest margin | 4.17% (p78 of band) | 3.67% |
| Efficiency ratio | 62.81% (p29 of band) | |
| Noncurrent loans | 0.74% (p55 of band) | 0.61% |
| Net charge-offs (annualized) | -0.01% (p23 of band) | |
| Reserve coverage of noncurrent | 126.28% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 36.51% (p72 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.4% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 | losing money, expense ratio p90 |  |
| 2011-09 | 4 | charge-offs p90 | noncurrent p90 |
| 2011-12 | 3 |  | expense ratio p90 |
| 2012-03 | 5 | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, charge-offs p90 |
| 2012-06 | 3 | losing money | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-09 | 4 | charge-offs p90 |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 7 | capital falling, expense ratio p90, uninsured deposits leaving |  |
| 2013-06 | 4 |  | noncurrent p90, expense ratio p90, uninsured deposits leaving |
| 2013-09 | 3 |  | capital falling |
| 2013-12 | 2 |  | losing money |
| 2014-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | uninsured deposits leaving |  |
| 2016-12 | 2 | loans exceed deposits, liquid assets <10% | uninsured deposits leaving |
| 2017-03 | 1 |  | loans exceed deposits |
| 2017-06 | 2 | uninsured deposits leaving |  |

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

- 2026-07-06 [Patriot Bank Opens Flagship California Location in Beverly Hills with $100MM+ in Deposits - ABF Journal](https://news.google.com/rss/articles/CBMitgFBVV95cUxOS2U1dnhnZFhFWHF5aS1zbXRQQ1VuVk9kb1IwWkxBMGkyUWxub0dZdVk5TEozZ09RZjVKTVd0VFVvVjJORFJOajJxaVczMnZWSEgyQ2JIeTdCenhWSTNNZ3lTR0tuWUpjb1lOS2FJMjRVVm9fODl3dGFZTExsSUo3OEF2VkxqaXc5Z19XQVUwSTVCSFhqZ25zbUd2MFd4aUZONE9meF95WU1GdnN3YWp1emJWNkwzQQ?oc=5) · ABF Journal
- 2026-07-01 [Patriot exits regulatory action, widens private banking push - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxObjJiZTVMTE9XQmc5T2xRZlZIVUUzVzMyaG9ydjREaGJBc3hIMTJMM3IyN0FPSklXZzd3Yi0wWnFMSjFJaFlvUXNuZmVWdjNLYVlIQVNPMXc1cjNxdzg2SnhFWE5mQ2ZVZ2V0RURlSjJIUWRhczgzZFRaZFVmdnlyeTVnVDZwWXBvbjBJMnZ6SjFERlF4Z0oxbFUxTQ?oc=5) · American Banker
- 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
- 2026-06-22 [Patriot Bank Expands Into South Florida With Palm Beach Flagship Office - citybiz](https://news.google.com/rss/articles/CBMirwFBVV95cUxOa3lwRWhQLUZiY2wtaWNNb1NabDliU3lQS0Y1dXhtdnhiYVJEdXQzX0MzS3VtdEdmRlJfR3BMQTRya1VteTF4YV9JbjFjZjd3eFNGWUJuNXFmNHo5eFg4b1BEOEQxM2dhRUszcGFGVm9GTl83cXhGOU0zaUNCQWRocEZEVDhucFlZOUh5RVM3cjQ0STB0SGtHYXBCVUdMRXpTTk5lbTNuUk9Ga1NZWWFF?oc=5) · citybiz
- 2026-06-22 [Patriot Bank Expands into Palm Beach and the South Florida Market - GlobeNewswire](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPLVJneXhEc3BYRGZwdVEzaDBJUGxZZTNvWnpzX1dyY3NhdzhkY0dCTUhiQ0RPQ2F1aFdUWHZZVVpWYTNvSGI4a3g2OHVDRy0xWGUyc2kxQ0FPVERVQWNhT2J5akZsUWRNNEl5cUpqYXJJQmRzT0w5WU9FcjJUbnZPanotMlBFa1ZUV015QTc4bjc3TDN0VjgyZzZLMFh1WWFLdGZZa24zZTZDOW13VV82SXV6RlZKU0FiMUprb2VmSTAxdWpRRlNsSXNrVTJ4c29wXzlqSTdHUEQ?oc=5) · GlobeNewswire
- 2026-06-29 [Patriot Bank lands over $100M in deposits with Beverly Hills launch - stocktitan.net](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQRUZYOHlES2RfVEVRMmlFNW1mSEI4LVRVWHFoZEdhOVNXdHBsSXVxSy16dUtQdUVtWUVMa25sdXNXN0FZYlo2MVgxXzQ1Z0RzQjV3aS11cEVManNKNnhGMDhkQjRXQUhSWWVKOF9iM2h4TGVaRHJmSkxZcjlYSV85VkRpWGYzUVpNLVkwVk5ESFc5SlZhWE9VSTJPbzV5QndSQ2JqbjZyU3llTENhX285OGg0QlBFRWhobmJn?oc=5) · stocktitan.net
- 2026-06-22 [Patriot Bank Expands into Palm Beach and the South Florida Market - Barchart.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxNMHpuWHQ5WUhIcFFfbllSanhlZGlZQ2FNUHljMkRjSWwzOWxFQ0p3LWxOQlRCSzY0Z3o2alRqMm5Na2IycmxsbFI1N3hDTGlTWkV6QmZOWVpDRTU0MHZLRnV2WE1FSVZzXzlvZ095VXY0NkkzWWJ2TXFTYnZTSTlGc0hHUHVmbW94X3d2aTY1VzlTT1A4ZEVuRDRLR3hmczloczdVUjdiNF9QcXpOeFE?oc=5) · Barchart.com
- 2017-04-25 [Patriot Bank Enters into Definitive Agreement to Join National Commerce Corporation - Florida Trend](https://news.google.com/rss/articles/CBMixgFBVV95cUxQbi1NVG9wQ3QxcWpCZ2t1eW5OMGtTeGFyaDI5b1RuOS11dWM5R2JWYk1DUVJiTWRhcnR3MjJtcUhWWHQ2UkEtQ1NJeFVCNWNIU0FzZEgtRHg5SjQ1TDhNQ3JwcGZvQnczRGk3R2xBVTJKTHExVkhPeDROOWFLcFd1bVgzbnNJWDU2Vk9yNlNIUFhQWkhFS1JmVHRwX0psd0VGZDI3czdxdFY3REJzNE1rZ1lzRFVZLTF6YVFzWk1yek5Sa25nWVE?oc=5) · Florida Trend

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57789 (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/61.json (key "57789", 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