BlastPoint's Banking Scorecard

Patriots Bank

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

Garnett, KS

6 branches across KS · MO

2664 banks in the $100M-$1B peer group nationally 118 in KS

Patriots Bank shows strong momentum with 5 strengths and 13.3% YoY asset growth

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

+ Profitability Leader: Top 32.0% in tier
+ Credit Quality Leader: Top 36.1% in tier
+ Net Interest Margin 0.95% above tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 9.57% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Patriots Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$270.6M +13.3% YoY +3.6% QoQ	-$115.5M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	41%
Total Loans ?	$206.6M +19.7% YoY +2.5% QoQ	-$49.1M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	50%
Total Deposits ?	$241.0M +14.3% YoY +4.4% QoQ	-$87.0M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	43%
Return on Assets ?	1.99% +27.8% YoY +9.5% QoQ	+0.72%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	Top 12.7% in tier
Net Interest Margin ?	4.88% +5.2% YoY -0.1% QoQ	+0.95%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	Top 9.3% in tier
Efficiency Ratio ?	55.72% -13.9% YoY -7.6% QoQ	-9.57%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	72%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	85.74% +4.7% YoY -1.9% QoQ	+9.10%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	33%
Non-Interest-Bearing Deposit Share ?	16.14% -5.2% YoY +0.1% QoQ	-5.88%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	28%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.63% -4.6% YoY +2.9% QoQ	-4.20%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.07% -13.9% YoY -80.6% QoQ	-0.21%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	35%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (2)

Profitability Leader

growth

#214 of 666 • Top 32.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.99%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Quality Leader

growth

#241 of 664 • Top 36.1% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

248

Net Interest Margin

profitability

Value: 4.88%

Peer Median: 3.93%

#248 of 2664 Top 9.3% in $100M-$1B

339

Return on Assets

profitability

Value: 1.99%

Peer Median: 1.27%

#339 of 2664 Top 12.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available