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Patriot Bank
Millington, TN · FDIC Certificate #57416 · Chartered 10/0
Total assets
$451.16M
Total deposits
$402.33M
Total equity
$40.77M
Net loans
$252.53M
Branches (offices)
8
Net income (YTD)
$835.00K
Rank: #1,906 of 4,213 U.S. banks by assets · #56 of 109 in Tennessee. Assets changed 2.8% and deposits 3.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.38% |
| Return on equity | 4.11% |
| Net interest margin (YTD) | 3.45% |
| Equity to assets | 9.04% |
| Tier 1 leverage ratio | 9.89% |
| Uninsured deposits (share of deposits) | 32.1% |
| Noncurrent loans (share of loans) | 1.47% |
| Net charge-offs (share of loans) | -0.03% |
| Loans to deposits | 62.8% |
| Real estate loans (share of loans) | 90.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $227.75M | 90.2% | |
| Commercial & industrial | $18.47M | 7.3% | |
| Consumer / individual | $4.22M | 1.7% | |
| Construction & development | $29.65M | 11.7% | |
| Agricultural | $1.18M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $476.25M | $408.48M | $1.64M | $35.61M |
| Jun 2023 | $461.53M | $398.38M | $597.00K | $35.44M |
| Jun 2024 | $463.92M | $402.93M | $547.00K | $36.87M |
| Jun 2025 | $439.00M | $387.82M | $893.00K | $38.79M |
| Jun 2026 | $451.16M | $402.33M | $835.00K | $40.77M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $402.33M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $402.33M.
Similar-sized banks
The Pittsfield Co-Operative Bank ($451.50M) · The Citizens State Bank ($450.64M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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