BlastPoint's Banking Scorecard
Patriot Bank
Millington, TN
10 branches across TN
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 72 in TN.
- Deposits +3.7% year over year ($402.3M on the books).
- Delinquency rate 1.49%.
- Return on assets 0.38%.
- Efficiency ratio 86.05% vs a 64.48% peer average.
- Loan-to-deposit ratio 62.77% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Patriot Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 34.6% in tier
- - Return on Assets 0.94% below tier average
- - Net Interest Margin 0.54% below tier average
- - Delinquency Rate 0.57% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$451.2M
+2.8% YoY
+4.9% QoQ
|
+$64.6M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
67% |
| Total Loans ? |
$252.5M
+8.6% YoY
+3.5% QoQ
|
-$5.8M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
59% |
| Total Deposits ? |
$402.3M
+3.7% YoY
+5.2% QoQ
|
+$75.6M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
70% |
| Return on Assets ? |
0.38%
-5.8% YoY
+66.7% QoQ
|
-0.94% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 9.4% in tier |
| Net Interest Margin ? |
3.45%
+2.8% YoY
+1.6% QoQ
|
-0.54% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
25% |
| Efficiency Ratio ? |
86.05%
-1.5% YoY
-3.8% QoQ
|
+21.57% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 8.2% in tier |
| Delinquency Rate ? |
1.49%
+333.0% YoY
+8.4% QoQ
|
+0.57% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
62.77%
+4.7% YoY
-1.6% QoQ
|
-15.19% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
21.84%
-11.5% YoY
+5.5% QoQ
|
-0.19% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.83%
+357.7% YoY
-0.7% QoQ
|
+0.16% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
12.37%
-4.5% YoY
-1.3% QoQ
|
-3.54% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.45%
-0.8% YoY
+131.5% QoQ
|
-0.12% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
Top 11.2% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.8%
-2.8pp YoY +1.1pp QoQ |
-0.3pp | 22.1% | 18.8% | 22.2% | 54% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.3%
+1.9pp YoY -0.4pp QoQ |
-4.2pp | 11.6% | 10.9% | 12.5% | 35% |
| CRE |
50.7%
-1.8pp YoY -1.5pp QoQ |
+11.2pp | 39.5% | 42.4% | 41.4% | 71% |
| 1-4 Family |
35.3%
-1.1pp YoY +1.0pp QoQ |
+2.7pp | 32.6% | 39.8% | 31.3% | 62% |
| Consumer |
1.7%
-1.1pp YoY -0.3pp QoQ |
-2.4pp | 4.1% | 4.5% | 5.0% | 42% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.4%
-0.6pp YoY -0.2pp QoQ |
-6.5pp | 18.8% | 14.8% | 19.7% | 21% |
| Leverage Ratio |
9.9%
0.0pp YoY -0.1pp QoQ |
-2.3pp | 12.2% | 11.4% | 12.6% | 28% |
| Total Capital Ratio |
13.1%
-0.7pp YoY -0.1pp QoQ |
-6.8pp | 19.9% | 15.9% | 20.8% | 17% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
85
-6 (-6.6%) YoY +2 (+2.4%) QoQ |
+26 | 58 | 270 | 482 | 80% |
| Assets per Employee ($) |
$5.3M
+10.0% YoY +2.4% QoQ |
-$2.2M | $7.5M | $7.1M | $8.8M | 19% |
| Branch Count |
10
0 YoY 0 QoQ |
+5 | 4 | 17 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
1.5%
+1.1pp YoY +0.1pp QoQ |
+0.6pp | 0.9% | 0.7% | 1.0% | 82% |
| Allowance Coverage |
0.68x
-81.3% YoY -6.5% QoQ |
-23.47x | 24.15x | 28.97x | 20.23x | 17% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 8% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.1%
-0.6pp YoY +1.7pp QoQ |
-8.1pp | 12.2% | 10.9% | 11.6% | 11% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 2.0% | 1.7% | 43% |
| Net Income ($, YTD) |
$835,000
-6.5% YoY — QoQ |
-$1.7M | $2.6M | $16.7M | $40.4M | 21% |
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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 (0)
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.