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Patriots Bank

$100M-$1B Specialty: Commercial KS FDIC cert 18019

Garnett, KS

6 branches across KS · MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
  • Deposits +4.6% year over year ($233.4M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.81%.
  • Efficiency ratio 58.27% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.83% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS
View $100M-$1B leaderboard (KS) →

Patriots Bank has 5 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 33.4% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.49% above tier average
  • + Net Interest Margin 0.79% above tier average
  • + Efficiency Ratio 6.21% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 49.6% in tier
Get updates when Patriots Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $268.8M
+7.6% YoY -0.6% QoQ
-$117.8M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
40%
Total Loans ? $202.7M
+8.9% YoY -1.9% QoQ
-$55.7M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
49%
Total Deposits ? $233.4M
+4.6% YoY -3.1% QoQ
-$93.3M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
41%
Return on Assets ? 1.81%
+7.0% YoY -9.2% QoQ
+0.49% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
80%
Net Interest Margin ? 4.78%
-0.1% YoY -2.0% QoQ
+0.79% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
Top 12.4% in tier
Efficiency Ratio ? 58.27%
-7.7% YoY +4.6% QoQ
-6.21% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
62%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 86.83%
+4.1% YoY +1.3% QoQ
+8.88% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
33%
Non-Interest-Bearing Deposit Share ? 16.22%
-5.5% YoY +0.5% QoQ
-5.81% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
28%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 9.20%
-20.6% YoY -20.9% QoQ
-6.71% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
Bottom 2.3% in tier
Non-Interest Income / Assets ? 0.15%
-29.9% YoY +100.8% QoQ
-0.42% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
35%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Noninterest-Bearing 16.2%
-0.9pp YoY
+0.1pp QoQ
 -5.9pp 22.1% 22.3% 22.2% 28%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 7.4%
+2.0pp YoY
-0.6pp QoQ
 -4.1pp 11.6% 12.6% 12.5% 36%
CRE 63.4%
-0.1pp QoQ
 +23.9pp 39.5% 28.8% 41.4% 88%
1-4 Family 17.3%
-1.6pp YoY
-0.2pp QoQ
 -15.3pp 32.6% 26.7% 31.3% 24%
Consumer 3.3%
-0.4pp YoY
+0.6pp QoQ
 -0.8pp 4.1% 4.6% 5.0% 63%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.3% 19.7% n/a
Leverage Ratio 9.2%
+0.1pp YoY
-0.1pp QoQ
 -3.0pp 12.2% 12.6% 12.6% 15%
Total Capital Ratio n/a n/a 19.9% 24.4% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 41
0 YoY
+2 (+5.1%) QoQ
 -18 58 70 482 42%
Assets per Employee ($) $6.6M
+7.6% YoY
-5.5% QoQ
 -$962K $7.5M $7.1M $8.8M 44%
Branch Count 6
0 YoY
0 QoQ
 +1 4 6 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 22.44x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 20.8%
+0.1pp YoY
-2.3pp QoQ
 +8.6pp 12.2% 14.3% 11.6% 90%
Cost of Funds (YTD) 2.3%
-0.1pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.6% 1.7% 85%
Net Income ($, YTD) $2.4M
+18.2% YoY
— QoQ
 -$141K $2.6M $3.7M $40.4M 60%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#221 of 659 • Top 33.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Capital Thin

risk
#329 of 661 • Bottom 49.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.20%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
328
Net Interest Margin
profitability
Value: 4.78%
Peer Median: 3.99%
#328 of 2643 Top 12.4% in $100M-$1B
518
Return on Assets
profitability
Value: 1.81%
Peer Median: 1.32%
#518 of 2643 Top 19.6% in $100M-$1B

Top Weaknesses (1 metrics)

2582
Tier 1 Capital Ratio
capital
Value: 9.20%
Peer Median: 15.91%
#2582 of 2643 Bottom 2.3% in $100M-$1B
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