Patriot Bank
Major Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a risk-based capital ratio of 13.8 and a capital leverage ratio of 10.4. A current level of 3.2 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Good asset quality (6.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10). Weak liquidity 3.0, driven by a liquidity ratio of 19.6 percent and a “hot money” ratio of 29.3 percent.
Asset Mix:
Securities (37%), comm re (16%), home mtgs (10%), home eq lns (9%), comm loans (4%), cash (2%), consumer loans (1%), other (20%)
States with Branches:
TN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Patriot of Tennessee Corporation
Investment Rating
--
Address
8376 US Highway 51 North
Millington, TN 38053
Millington, TN 38053
Phone Number
(901) 872-2265
Year Founded
2001
FDIC Number
Website
Largest Affiliates
No affiliate information available.