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Patriots Bank
Garnett, KS · FDIC Certificate #18019 · Chartered 01/0
Total assets
$268.82M
Total deposits
$233.42M
Total equity
$23.66M
Net loans
$202.67M
Branches (offices)
6
Net income (YTD)
$2.41M
Rank: #2,619 of 4,213 U.S. banks by assets · #78 of 183 in Kansas. Assets changed 7.6% and deposits 4.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.81% |
| Return on equity | 20.83% |
| Net interest margin (YTD) | 4.78% |
| Equity to assets | 8.80% |
| Tier 1 leverage ratio | 9.20% |
| Uninsured deposits (share of deposits) | 12.9% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 86.8% |
| Real estate loans (share of loans) | 86.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $175.35M | 86.5% | |
| Commercial & industrial | $15.04M | 7.4% | |
| Consumer / individual | $6.63M | 3.3% | |
| Construction & development | $4.35M | 2.1% | |
| Agricultural | $6.45M | 3.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $183.27M | $152.58M | $807.00K | $13.21M |
| Jun 2023 | $227.49M | $193.98M | $933.00K | $13.59M |
| Jun 2024 | $241.00M | $210.32M | $1.57M | $17.48M |
| Jun 2025 | $249.81M | $223.13M | $2.04M | $20.32M |
| Jun 2026 | $268.82M | $233.42M | $2.41M | $23.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $211.14M | 5 |
| Missouri | $22.28M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $233.42M.
Similar-sized banks
Lamar Bank And Trust Company ($269.04M) · Westside State Bank ($268.71M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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