Headquartered in Patterson, Louisiana, Patterson State Bank is a state-chartered bank with $330.7M in total assets and $296.3M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1925.
Based on its Q2 2026 filing, Patterson State Bank scores 50/100, which we describe as below average. That is higher than only 7% of 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 93rd. Its strongest component is funding & liquidity (79/100; 64% loans-to-deposits, 30% uninsured), and its lowest is capital cushion (39/100; 8.92%).
TellerScore · Q2 2026
Scorecard
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 15 points (65 → 50), mostly because the loan quality component weakened by 56 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 64 |
| Q4 2024 | 64 |
| Q1 2025 | 60 |
| Q2 2025 | 65 |
| Q3 2025 | 63 |
| Q4 2025 | 61 |
| Q1 2026 | 62 |
| Q2 2026 | 50 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.00% |
| Q3 2024 | 9.45% |
| Q4 2024 | 9.16% |
| Q1 2025 | 9.05% |
| Q2 2025 | 9.28% |
| Q3 2025 | 9.36% |
| Q4 2025 | 9.06% |
| Q1 2026 | 8.80% |
| Q2 2026 | 8.92% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.31% |
| Q3 2024 | 0.33% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.50% |
| Q2 2025 | 0.09% |
| Q3 2025 | 0.39% |
| Q4 2025 | 0.46% |
| Q1 2026 | 0.54% |
| Q2 2026 | 1.78% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.46% |
| Q3 2024 | 0.39% |
| Q4 2024 | 0.21% |
| Q1 2025 | 0.30% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.35% |
| Q4 2025 | 0.37% |
| Q1 2026 | 0.59% |
| Q2 2026 | 0.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 50 | $330.7M | 8.92% | 1.78% | 0.61% | 64.2% |
| Q1 2026 | 62 | $332.0M | 8.80% | 0.54% | 0.59% | 63.7% |
| Q4 2025 | 61 | $352.9M | 9.06% | 0.46% | 0.37% | 60.4% |
| Q3 2025 | 63 | $310.1M | 9.36% | 0.39% | 0.35% | 69.9% |
| Q2 2025 | 65 | $307.2M | 9.28% | 0.09% | 0.35% | 70.5% |
| Q1 2025 | 60 | $316.1M | 9.05% | 0.50% | 0.30% | 68.1% |
| Q4 2024 | 64 | $341.8M | 9.16% | 0.01% | 0.21% | 62.1% |
| Q3 2024 | 64 | $305.8M | 9.45% | 0.33% | 0.39% | 68.7% |
| Q2 2024 | 54 | $309.4M | 9.00% | 1.31% | 0.46% | 65.0% |
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).
Similar-size banks in Louisiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Savings BankBank Bogalusa, LA | 81 out of 100, Strong | $329.1M | 14.3% | 0.74% | vs |
| Guaranty Bank and Trust CompanyBank New Roads, LA | 58 out of 100, Moderate | $318.5M | 13.8% | 3.99% | vs |
| Bank of CoushattaBank Coushatta, LA | 34 out of 100, Low | $317.1M | 9.2% | 6.52% | vs |
| CLB The Community BankBank Jonesville, LA | 58 out of 100, Moderate | $350.9M | 11.4% | 2.58% | vs |
| Washington State BankBank Washington, LA | 63 out of 100, Moderate | $309.2M | 10.8% | 1.29% | vs |
| Caldwell Bank & Trust CompanyBank Columbia, LA | 41 out of 100, Below average | $298.6M | 10.0% | 2.86% | vs |
Deposit insurance
Is my money safe at Patterson State Bank?
Yes. Patterson State Bank is an FDIC-insured institution (FDIC certificate #12609). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.4% of deposits ($90.2M) 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 8.92%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.28% (benchmark: 10%).
3 locations
Branches
Patterson State Bank lists 3 offices in 3 cities. Most locations:
- Berwick, LA (1)
- Morgan City, LA (1)
- Patterson, LA (1)
Identity & history
Profile
- Legal name
- Patterson State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12609
- RSSD ID
- 85931
- Primary regulator
- FDIC
- Holding company
- Patterson Bancshares Inc
- Established
- January 1, 1925
- Headquarters
- 1130 Highway 90, Patterson, LA 70392
- Website
- www.pattersonstatebank.com
- Employees
- 34
Quick answers
Patterson State Bank: common questions
Is Patterson State Bank FDIC insured?
Yes. Patterson State Bank is an FDIC-insured institution (FDIC certificate #12609). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Patterson State Bank's TellerScore?
50 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 Patterson State Bank ever failed?
There is no failure record for FDIC certificate #12609 in the FDIC failed bank list.
How many branches does Patterson State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Patterson
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cabot Employees Credit UnionCredit union Franklin, LA | 89 out of 100, Very strong | $1.3M | 27.0% | 0.00% | vs |
| St. Mary Parish School Emp. Federal Credit UnionCredit union Franklin, LA | 85 out of 100, Very strong | $455K | 22.7% | 0.49% | vs |
| Morgan City Federal Credit UnionCredit union Morgan City, LA | 84 out of 100, Strong | $4.8M | 16.7% | 0.00% | vs |
| Riverland Federal Credit UnionCredit union New Orleans, LA | 78 out of 100, Strong | $319.7M | 15.8% | 0.55% | vs |
| The First National Bank of JeaneretteBank Jeanerette, LA | 73 out of 100, Strong | $646.5M | 10.0% | 0.23% | vs |
| First American Bank and TrustBank Vacherie, LA | 73 out of 100, Strong | $1.4B | 13.8% | 1.28% | vs |