# PATRIOT FEDERAL BANK
CANAJOHARIE, NY · FDIC certificate 58077 · asset band <$300M · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (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 | $143.1M | |
| Deposits | $124.0M | |
| Loans and leases | $123.3M | |
| Total equity | $12.8M | |
| Loans / deposits | 97.92% (p88 of band) | 76.19% |
| Liquid assets / assets | 12.13% (p9 of band) | |
| Uninsured deposits / deposits | 11.34% (p34 of band) | 14.99% |
| Brokered deposits | 1.40% | |
| Wholesale funding | 5.24% (p65 of band) | |
| FHLB advances / assets | 3.84% | |
| Tier 1 leverage | 8.73% (p11 of band) | 11.02% |
| Unrealized securities loss / equity | 0.05% (p52 of band) | 0.02% |
| AOCI / equity | 1.70% (p68 of band) | |
| ROA (annualized) | 0.28% (p11 of band) | 0.90% |
| Net interest margin | 3.75% (p52 of band) | 3.71% |
| Efficiency ratio | 81.36% (p77 of band) | |
| Noncurrent loans | 0.28% (p35 of band) | 0.62% |
| Net charge-offs (annualized) | -0.01% (p20 of band) | |
| Reserve coverage of noncurrent | 543.39% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 35.10% (p70 of band) | |
| Auto loans | $243,000 (0.20% of loans; DQ 0.41%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.7% | |
| Employees | 28 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2018-01-08 [Kinderhook Bank Appoints George R. Cooper, Senior Vice President - Capital Region Chamber of Commerce](https://news.google.com/rss/articles/CBMiowFBVV95cUxQaW91UVRiVVd2NXhDbmJFTHN2MjgtM05ya3EtdXlabUVwVHR2d3BQYWs2RmR2a1FvWWJ1ZW1KcG9VZmJIb2hIVmR3UzZJMFZEbGpKM29QM3J2Y0N3M0VTMWFGZ0pzYTY1dEt2RzkydktLdkwzNFE5NkZIbmg4c0dGSW9JeHlTcWNRYnRzalFxcW56SFI2QjFIdEY2NEhHa3JQX0FN?oc=5) · Capital Region Chamber of Commerce
- 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
- 2022-09-12 [Clifton Park Man Named Executive VP And Chief Administrative Officer At Pioneer - Saratoga.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNZUdDdWhFbHJSMDlKRWxwTDNZUzRYb2ZYdWRveWhxZGVHQkVPZ1RadjlPU1plTnQ2WUJmYlZtdklqaE5LSGx6NGhXVkI2aVB1R1dhYXhnMGM0N2JXYkZoQTV3eEJsSVFiVmRSM1JfZk5HMkFFd1NTalg1c2h0V2ZveEhfdUhSUzl3aEZrbGtWeFA3SlRkRGRsbDJURlVoeTVQZ3V5N2I5ekhUaEhWcVdMemVYMmRvZ19USEotX3JzRHp6TkZlNlZUWTJrelhYY0FSdjhZ?oc=5) · Saratoga.com
- 2014-07-02 [Hon. Thomas J. Murray Obituary Jul 2, 2014 - Altogether Funeral](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPMlVVQXdaN1gzUnc2X1VXdGhpWTctMVVnd3huNDQxZ21fQWFFNk9QSElTWVBEZWMzRDVSQkhNdm1uQ1hBNzhuWmQ2N29PRjNDMXI3UTU2eFhyU0l3bzRvQU1YVVU2aFVfTmQ5azB6aW44N1BVbHdoWFUtcDVGUXYzSGhaRUxvZHJTLXM2UkEyUGlHODJpTTVGUEROSjZDOTRBTThFWTZSbWluQkVSMVhHNGhodlJnNjkxTHJzRGdaS2szNUZaeUd5SzNQcWppX0xF?oc=5) · Altogether Funeral
- 2022-08-30 [Pioneer names new chief administration officer - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxNVEFKS01xVzNDV0wxaWhsZ192Wkh1RE5CX3VJZGZQRW5zTzdyc09QMW96czV6Q0Nlc3dJczNzSV8zNHJPQ09BRHlmeV9yRnQyWUpacVlEZzhqUzFOc2VqeGlfX3R0cmVCOE9XekFfZGlRVWs4LXB1SkJRVHNkSDVVVk5NLVh0VmdYQXZUOEp3OGU0OTBLM1ptUWZMNHZCZ2df?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58077 (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/29.json (key "58077", 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