Total Assets
$426M
Total balance-sheet footings
FDIC Cert #57416 · Millington, Tennessee · Est. 2002
Patriot Bank - FDIC Bank Health Profile
A community-scale look at Patriot Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $426M
- Total assets
- C
- Health grade · Fair
- 0.40%
- Return on assets
- 12.5%
- Tier 1 capital
Data updated July 2026
The verdict
Patriot Bank earns a PlainBankData health grade of C (58/100), with well-capitalized at 12.55% Tier 1, 0.40% ROA, 86% efficiency ratio.
- #2,003
- largest of 4,313 FDIC banks by assets
- 54th
- percentile by asset size, nationally
- 12.55%
- Tier 1 ratio - above the 10% well-capitalized line
- 12th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Patriot Bank's 58/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Patriot Bank's composite health score
Tier 1 Capital Ratio (12.55%) 35/40
Return on Assets (ROA) (0.40%) 7/25
Texas Ratio (5.25%) 16/20
Efficiency Ratio (86.08%) 0/15
58 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$376M
Customer-funded liabilities
Net Loans
$235M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Patriot Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Patriot Bank's score of 58/100 falls in the highlighted band.
Patriot Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Patriot Bank's $426M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.55% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.55%
Texas Ratio
5.25%
Equity Capital
$41M
Profitability metrics
Return on Assets (ROA)
12th percentile nationally
0.40%
Return on Equity (ROE)
4.41%
Efficiency Ratio
86.08%
What the numbers say about Patriot Bank
Patriot Bank is an FDIC-insured institution (Certificate #57416) headquartered in Millington, Tennessee, established in 2002. It holds $426M in total assets - 2,003rd of 4,313 FDIC-insured banks, $376M in customer deposits, and $235M in net loans. On safety, its Tier 1 capital ratio of 12.55% is above the 10% well-capitalized threshold, and its Texas Ratio of 5.25% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (58/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Tennessee, Patriot Bank ranks 58th of 111 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$20M
Interest Income
$4M
Non-Interest Income
$15M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Patriot Bank reports a Texas Ratio of 5.25% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.25% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Tennessee by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Patriot Bank (FDIC Cert #57416) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First Horizon BankMemphis | $83.6B | B | 1.35% |
| Pinnacle BankNashville | $57.6B | A | 1.25% |
| FirstBankNashville | $16.3B | B | 0.89% |
| Wilson Bank and TrustLebanon | $5.9B | A | 1.38% |
| SmartBankPigeon Forge | $5.9B | B | 1.00% |
| SouthEast BankFarragut | $3.5B | C | 0.68% |
| Home Federal Bank of TennesseeKnoxville | $2.7B | C | 0.21% |
| Builtwell BankChattanooga | $2.3B | A | 2.07% |
Frequently asked questions
What is Patriot Bank's health grade?▼
Patriot Bank receives a health grade of C (58/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Patriot Bank?▼
Patriot Bank holds $426M in total assets and $376M in deposits, ranking 2,003rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Millington, Tennessee.
Is my money safe at Patriot Bank?▼
Yes, deposits at Patriot Bank (Certificate #57416) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Patriot Bank's Tier 1 Capital Ratio?▼
Patriot Bank has a Tier 1 Capital Ratio of 12.55%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Patriot Bank?▼
Patriot Bank has a Texas Ratio of 5.25%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Patriot Bank?▼
Patriot Bank has an Efficiency Ratio of 86.08%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Patriot Bank's profile as a depositor or analyst.
- Patriot Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Patriot Bank against other Tennessee banks before moving funds. Tennessee banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.