BlastPoint's Banking Scorecard
Patriots Bank
Micro
Specialty: Commercial
KS
FDIC cert 18019
Designations: ✓ Community bank
Garnett, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Patriots Bank shows strong momentum with 2 strengths and 10.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$261.2M
+10.6% YoY
+2.7% QoQ
|
+$43.7M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$201.6M
+10.5% YoY
+3.0% QoQ
|
+$62.4M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$230.8M
+12.2% YoY
+3.7% QoQ
|
+$47.1M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
1.82%
+23.9% YoY
+4.4% QoQ
|
+0.74% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
4.88%
+8.5% YoY
+0.3% QoQ
|
+1.03% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
60.30%
-7.8% YoY
-3.1% QoQ
|
-7.43% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
87.36%
-1.5% YoY
-0.6% QoQ
|
+12.83% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
16.12%
-4.4% YoY
-3.6% QoQ
|
-6.27% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
11.30%
+2.2% YoY
-2.8% QoQ
|
+2.44% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.38%
-4.9% YoY
+24.6% QoQ
|
-0.18% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
89
89th pctile
Net Interest Margin
Current: 4.88% · Tier avg: 3.85%
86
86th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.08%
75
75th pctile
Total Loans
Current: $201.6M · Tier avg: $139.2M
67
67th pctile
Total Deposits
Current: $230.8M · Tier avg: $183.7M
67
67th pctile
Efficiency Ratio
Current: 60.30% · Tier avg: 67.73%
64
64th pctile
Total Assets
Current: $261.2M · Tier avg: $217.5M
56
56th pctile
Tier 1 Capital Ratio
Current: 11.30% · Tier avg: 8.85%
54
54th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.36% · Tier avg: 74.53%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.12% · Tier avg: 22.39%
Top Weaknesses
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.12% · Tier avg: 22.39%
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.36% · Tier avg: 74.53%
54
54th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.30% · Tier avg: 8.85%
64
64th pctile
Total Assets
Current: $261.2M · Tier avg: $217.5M
67
67th pctile
Efficiency Ratio
Current: 60.30% · Tier avg: 67.73%
67
67th pctile
Total Deposits
Current: $230.8M · Tier avg: $183.7M
75
75th pctile
Total Loans
Current: $201.6M · Tier avg: $139.2M
86
86th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.08%
89
89th pctile
Net Interest Margin
Current: 4.88% · Tier avg: 3.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%