# PATRIOT COMMUNITY BANK
WOBURN, MA · FDIC certificate 58133 · asset band <$300M · latest filing 2022-06 · 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 | $200.4M | |
| Deposits | $168.2M | |
| Loans and leases | $134.9M | |
| Total equity | $31.7M | |
| Loans / deposits | 79.08% (p78 of band) | 61.37% |
| Liquid assets / assets | 32.74% (p32 of band) | |
| Uninsured deposits / deposits | 32.56% (p85 of band) | 20.48% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p25 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.57% (p86 of band) | 10.54% |
| Unrealized securities loss / equity | 0.00% (p97 of band) | -19.24% |
| AOCI / equity | 0.00% (p93 of band) | |
| ROA (annualized) | 0.86% (p54 of band) | 0.80% |
| Net interest margin | 2.82% (p36 of band) | 3.08% |
| Efficiency ratio | 64.06% (p30 of band) | |
| Noncurrent loans | 0.87% (p76 of band) | 0.23% |
| Net charge-offs (annualized) | 0.00% (p48 of band) | |
| Reserve coverage of noncurrent | 154.96% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 77.38% (p85 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 | -6.9% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 2 | construction >100% equity |  |
| 2014-09 | 1 |  | reserve under noncurrent |
| 2014-12 | 0 |  | construction >100% equity |
| 2015-03 | 1 | construction >100% equity |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 3 | loans exceed deposits, capital falling |  |
| 2016-03 | 1 |  | loans exceed deposits, capital falling |
| 2016-06 | 0 |  | construction >100% equity |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 1 | construction >100% equity |  |
| 2017-06 | 2 | deposits shrinking |  |
| 2017-09 | 1 |  | deposits shrinking |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 0 |  | construction >100% equity, capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 | NIM <2.5% | capital falling |
| 2021-03 | 0 |  | NIM <2.5% |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | deposits shrinking, assets shrinking |  |

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

- 2022-02-24 [East Cambridge Savings Bank to Acquire Patriot Community Bank - Banker & Tradesman](https://news.google.com/rss/articles/CBMimAFBVV95cUxPUDh4ZWgyV1FCVURUZGxSSHRNX1FmS21JNlpILWNzck9OZndSd1pkcUh1Qlk0c0puV2cxZk9LSU0wY1QtNjY4MkxzTklOUFVia3U5RXQwdFh5X1pBdVc3OU9ZMTRCQ0o4LVhlX01qVEU5eHR1S2tMTXowVmlmU1JlUHh2ZzNydkk5ZDJrcWd1blNBUWZjTlU4RA?oc=5) · Banker &amp; Tradesman
- 2022-08-01 [East Cambridge Savings Bank completes purchase of Patriot Community Bank - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxNeEZPWTNiNWtJNlRzbmdJNkpVNW9SVDY5UFR2RzU2SHNoY19JUS1HSnJLNHBrWXMxdndQeDRkUkw3d01oOVpBQkZnLU84cWhCcWJINTZyZlBmaG8tZGZpUFA0MFRaamNVYWdoMzdIcUQ3WkFBaWlkRVIzTmNQMTg4M2VwX3MxWUlQdXlvaVROZ0pkbkRj?oc=5) · The Business Journals
- 2022-08-17 [East Cambridge Savings Bank supports food pantry and local YMCA to celebrate joining the Woburn community - Fall River Herald News](https://news.google.com/rss/articles/CBMihAJBVV95cUxPM3JadjNiYjJDbWRnMzl3b2VoU1RWaGozQkNCdjJRUmszd3NOcThUbjl1N3FaSkpXNkQtUno4ZVVHd01fNjZ3dHNQZks1QlZna0hjOXhTanJpTjZzR0k0Rm51d0QwOFUwZUF5YmdCSWVCYlVlQU8tQVJmSlBXRXJwOTNpZWhoVS1RaGxkcU9lNlVOZWlwaV91YmtpY01fYUtaV2lFbFZma0F4VkY0TkRWX29vMUlRek5OUml4R1gtdkxROVdPZ1Eyc0EtcWZnWTNNUjNZWDRhYnNRWjVxcUU2Vk9HWGdpRWh2d3N2S0s2VHFQanVkbGpmV29zeVBucENfR3pTNA?oc=5) · Fall River Herald News
- 2022-04-20 [Obituary | John W. Maloney - Douglass Funeral Home](https://news.google.com/rss/articles/CBMiXEFVX3lxTE5ZSFctb3hsZmM3cml4VlZHTGg3MDFXTkFTWFZyUG1ST3NkcHJmcXNmSjVSaExKaFlTMVlvTVFCMTVKZUhDMU4zS0FfZ2J5QWx5T3lXLVotQW5lRnFr?oc=5) · Douglass Funeral Home
- 2023-03-28 [East Cambridge Savings Bank taps in Timothy E. Bombard as new president and CEO - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxPNXY1eTlpWmgxVFZ1THVDOGVBSmN5YVQ0UTB4cER1TUtnQS1XZy1YZk9HRXhpSXpmazUwaFJQeEhsS0FqQzgyVmdwTVczU2l0SFZDMHVXVkhzQ2ppV0xlU2hjbG1QTTB0X24yNUZNWlFYNWtVM1MwMnZPZEVBTXcxVGhRdEZ4WUtueFFXSThYQ0tGLS1mWUZnQ1l0cFd1Z3Qy?oc=5) · The Business Journals
- 2017-05-21 [Annette Hunt - Banker & Tradesman](https://news.google.com/rss/articles/CBMiV0FVX3lxTE5STmJKbk1KeUxHZzJZQzJlZVlhOFVTMWVVZjRacGp4U2JmWmFMUjFOcHNVbHIyNzF6UG9Vdkk5ZkNaRDg2Sm1abWstTnVXMzF1N0FydFlKYw?oc=5) · Banker &amp; Tradesman

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58133 (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/21.json (key "58133", 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