TellerScore

Patriot Bank is a state-chartered bank (fed member) headquartered in Millington, Tennessee, in business for about 24 years. At the end of Q2 2026 it reported $451.2M in total assets and $402.3M in deposits, with 10 offices.

Patriot Bank has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 10% of its 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 103rd. Problem-loan coverage contributes the most (83/100, 8.7%); earnings contributes the least (35/100, 0.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.89%
Loan quality51/100
Noncurrent loans ÷ total loans: 1.47%
Earnings35/100
Return on assets (annualized): 0.38%
Funding & liquidity78/100
Loans ÷ deposits and uninsured-deposit share: 62.8% · 32.1% uninsured
Problem-loan coverage83/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.66%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 12 points (66 → 54), mostly because the loan quality component weakened by 38 points.

TellerScore
546066Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202462
Q4 202462
Q1 202564
Q2 202566
Q3 202565
Q4 202560
Q1 202655
Q2 202654
Tier 1 leverage ratio
5.00%7.70%10.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.06%
Q3 20249.70%
Q4 20249.61%
Q1 20259.68%
Q2 20259.90%
Q3 202510.39%
Q4 20259.97%
Q1 202610.00%
Q2 20269.89%
Noncurrent loans
0.34%0.91%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.76%
Q3 20240.61%
Q4 20240.59%
Q1 20250.41%
Q2 20250.34%
Q3 20250.64%
Q4 20250.95%
Q1 20261.36%
Q2 20261.47%
Return on assets
0.23%0.32%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.24%
Q3 20240.24%
Q4 20240.25%
Q1 20250.28%
Q2 20250.41%
Q3 20250.41%
Q4 20250.40%
Q1 20260.23%
Q2 20260.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$451.2M9.89%1.47%0.38%62.8%
Q1 202655$430.2M10.00%1.36%0.23%63.8%
Q4 202560$426.2M9.97%0.95%0.40%62.5%
Q3 202565$424.6M10.39%0.64%0.41%62.9%
Q2 202566$439.0M9.90%0.34%0.41%59.9%
Q1 202564$441.5M9.68%0.41%0.28%57.5%
Q4 202462$436.4M9.61%0.59%0.25%58.8%
Q3 202462$436.1M9.70%0.61%0.24%61.3%
Q2 202458$463.9M9.06%0.76%0.24%62.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.89%
28th
Total risk-based capital13.10%
57th
Problem loans1.47%
18th
Net charge-offs-0.03%
93rd
Return on assets0.38%
9th
Net interest margin3.45%
25th
Efficiency ratio86.0%
8th
Loans to deposits62.8%
80th
Uninsured deposits32.1%
23rd
Loan-loss reserves1.00%
27th
Texas ratio8.7%
21st

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples Bank of East TennesseeBank Madisonville, TN78 out of 100, Strong$456.1M10.9%0.37%vs
Peoples BankBank Clifton, TN79 out of 100, Strong$445.3M12.7%0.39%vs
Coffee County BankBank Manchester, TN76 out of 100, Strong$427.6M9.6%0.18%vs
Heritage Bank & TrustBank Columbia, TN65 out of 100, Moderate$417.8M8.5%0.36%vs
First Vision Bank of TennesseeBank Tullahoma, TN77 out of 100, Strong$414.2M12.4%0.08%vs
Bank of FrankewingBank Frankewing, TN41 out of 100, Below average$413.1M11.3%6.25%vs

Deposit insurance

Is my money safe at Patriot Bank?

Yes. Patriot Bank is an FDIC-insured institution (FDIC certificate #57416). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.1% of deposits ($129.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.89%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.10% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Patriot Bank lists 8 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Patriot Bank reported 586 home-loan applications under HMDA (LEI 549300KM0M1BH7LBWW77): 468 originated ($126,010,000 total), 40 denied, and 72 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Patriot Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
57416
RSSD ID
3120646
Primary regulator
FED
Holding company
Security Bcorp of Tn Inc
Established
October 9, 2002
Headquarters
8376 Us Highway 51 N, Millington, TN 38053
Employees
85

Quick answers

Patriot Bank: common questions

Is Patriot Bank FDIC insured?

Yes. Patriot Bank is an FDIC-insured institution (FDIC certificate #57416). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Patriot Bank's TellerScore?

54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Patriot Bank ever failed?

There is no failure record for FDIC certificate #57416 in the FDIC failed bank list.

How many branches does Patriot Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Millington

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
First South Financial Federal Credit UnionCredit union Bartlett, TN95 out of 100, Very strong$844.8M30.2%0.22%vs
L G & W Federal Credit UnionCredit union Memphis, TN92 out of 100, Very strong$115.1M21.7%0.32%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
F a a Federal Credit UnionCredit union Cordova, TN91 out of 100, Very strong$131.1M18.6%0.87%vs
TVA Mid-South Federal Credit UnionCredit union Memphis, TN85 out of 100, Very strong$3.2M17.4%0.00%vs