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.

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 77).

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

Similar-size banks in Kansas

Yes. Patriots Bank is an FDIC-insured institution (FDIC certificate #18019). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.9% of deposits ($30.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.20%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Patriots Bank lists 6 offices in 5 cities across 2 states. Most locations:

• Garnett, KS (2)
• Gardner, KS (1)
• Lake Ozark, MO (1)
• Ottawa, KS (1)
• Princeton, KS (1)

All branch addresses and map

In 2025, Patriots Bank reported 37 home-loan applications under HMDA (LEI 549300QP3NKC4EY4SD85): 37 originated ($9,535,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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.

Legal name

Patriots Bank

Former names

Kansas State Bank; The Parker State Bank

Type

State-chartered bank

FDIC certificate #

18019

RSSD ID

297051

Primary regulator

FDIC

Holding company

Garnett Bancshares Inc

Established

January 1, 1899

Headquarters

131 E 4th Ave, Garnett, KS 66032

Website

www.patriotsbank.com

Employees

41