BlastPoint's Banking Scorecard
Patriot Bank
Micro
Specialty: Commercial
TN
FDIC cert 57416
Designations: ✓ Community bank
Millington, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Patriot Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.38% above 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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$426.2M
-2.3% YoY
+0.4% QoQ
|
+$208.7M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$235.2M
+3.5% YoY
+1.0% QoQ
|
+$96.0M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$376.3M
-2.6% YoY
+1.7% QoQ
|
+$192.7M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
0.40%
+60.2% YoY
-2.4% QoQ
|
-0.68% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
15% |
| Net Interest Margin ? |
3.44%
+8.5% YoY
+1.1% QoQ
|
-0.41% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
86.08%
-6.4% YoY
+0.1% QoQ
|
+18.35% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
0.96%
+60.2% YoY
+49.1% QoQ
|
+0.32% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
62.50%
+6.3% YoY
-0.7% QoQ
|
-12.02% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
22.32%
-0.8% YoY
-4.8% QoQ
|
-0.07% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.53%
+69.8% YoY
+50.0% QoQ
|
+0.08% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
12.55%
+2.1% YoY
-2.8% QoQ
|
+3.69% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.95%
+1.2% YoY
+27.5% QoQ
|
+0.38% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.95%
(Tier avg: 0.56%, National avg: 0.65%)
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
94
94th pctile
Total Deposits
Current: $376.3M · Tier avg: $183.7M
91
91th pctile
Total Assets
Current: $426.2M · Tier avg: $217.5M
91
91th pctile
Non-Interest Income / Assets
Current: 0.95% · Tier avg: 0.56%
82
82th pctile
Total Loans
Current: $235.2M · Tier avg: $139.2M
61
61th pctile
Tier 1 Capital Ratio
Current: 12.55% · Tier avg: 8.85%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.32% · Tier avg: 22.39%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
31
31th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.85%
30
30th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.64%
27
27th pctile
Loan-to-Deposit Ratio
Current: 62.50% · Tier avg: 74.53%
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
12
12th pctile
Efficiency Ratio
Current: 86.08% · Tier avg: 67.73%
Top Weaknesses
12
12th pctile
Efficiency Ratio
Current: 86.08% · Tier avg: 67.73%
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
27
27th pctile
Loan-to-Deposit Ratio
Current: 62.50% · Tier avg: 74.53%
30
30th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.64%
31
31th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.85%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.32% · Tier avg: 22.39%
61
61th pctile
Tier 1 Capital Ratio
Current: 12.55% · Tier avg: 8.85%
82
82th pctile
Total Loans
Current: $235.2M · Tier avg: $139.2M
91
91th pctile
Non-Interest Income / Assets
Current: 0.95% · Tier avg: 0.56%
91
91th pctile
Total Assets
Current: $426.2M · Tier avg: $217.5M
94
94th pctile
Total Deposits
Current: $376.3M · Tier avg: $183.7M