BlastPoint's Banking Scorecard

Patriot Bank

$100M-$1B Specialty: Commercial TN FDIC cert 57416

Millington, TN

10 branches across TN

2664 banks in the $100M-$1B peer group nationally 72 in TN

Patriot Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 7.5% in tier
- Efficiency Drag: Bottom 44.7% in tier
- NIB Deposit Bleed: Bottom 63.6% in tier
- Return on Assets 1.04% below tier average
- Net Interest Margin 0.54% below tier average
- Delinquency Rate 0.48% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$430.2M -2.6% YoY +0.9% QoQ	+$44.1M	$386.1M +0.5% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	65%
Total Loans ?	$244.1M +8.1% YoY +3.8% QoQ	-$11.7M	$255.7M +1.1% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	58%
Total Deposits ?	$382.4M -2.6% YoY +1.6% QoQ	+$54.4M	$328.0M +0.1% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	67%
Return on Assets ?	0.23% -17.9% YoY -42.5% QoQ	-1.04%	1.27% +12.9% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	Bottom 6.8% in tier
Net Interest Margin ?	3.39% +6.3% YoY -1.4% QoQ	-0.54%	3.93% +6.0% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	26%
Efficiency Ratio ?	89.49% -4.4% YoY +4.0% QoQ	+24.20%	65.29% -4.5% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	Bottom 6.9% in tier
Delinquency Rate ?	1.37% +227.9% YoY +43.0% QoQ	+0.48%	0.89% +18.8% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	21%
Loan-to-Deposit Ratio ?	63.82% +11.0% YoY +2.1% QoQ	-12.82%	76.64% +0.8% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	77%
Non-Interest-Bearing Deposit Share ?	20.70% -14.5% YoY -7.3% QoQ	-1.32%	22.02% -1.0% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	48%
Nonperforming Asset Ratio ?	0.84% +291.8% YoY +58.3% QoQ	+0.20%	0.64% +19.7% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	12.54% -0.2% YoY -0.1% QoQ	-3.29%	15.83% +1.5% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	42%
Non-Interest Income / Assets ?	0.19% +9.3% YoY -79.5% QoQ	-0.09%	0.28% +9.3% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	85%

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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 (0)

No matched strength signatures this quarter

Concerns (3)

Deposit Outflow

decline

#39 of 506 • Bottom 7.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#186 of 414 • Bottom 44.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 89.49%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

NIB Deposit Bleed

decline

#127 of 198 • Bottom 63.6% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 20.70%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

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 (2 metrics)

406

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#406 of 2664 Top 15.2% in $100M-$1B

621

Loan-to-Deposit Ratio

liquidity

Value: 63.82%

Peer Median: 76.64%

#621 of 2664 Top 23.3% in $100M-$1B

Top Weaknesses (4 metrics)

2485

Return on Assets

profitability

Value: 0.23%

Peer Median: 1.27%

#2485 of 2664 Bottom 6.8% in $100M-$1B

2480

Efficiency Ratio

profitability

Value: 89.49%

Peer Median: 65.29%

#2480 of 2664 Bottom 6.9% in $100M-$1B

2097

Delinquency Rate

credit_quality

Value: 1.37%

Peer Median: 0.89%

#2097 of 2654 Bottom 21.0% in $100M-$1B

2014

Nonperforming Asset Ratio

credit_quality

Value: 0.84%

Peer Median: 0.64%

#2014 of 2664 Bottom 24.4% in $100M-$1B