Patriots Bank (FDIC #18019): Bank Stress & Real-Estate Credit Exposure

Patriots Bank (FDIC Cert #18019): bank stress 59/100, moderate, STABLE over 7 days; parent GARNETT BANCSHARES INC.

Patriots Bank (#18019) lends in 4 counties across 2 states; Patriots Bank (#18019) reaches 73 ZIP codes: Kansas 3 counties, 55 ZIPs; Missouri 1 county, 18 ZIPs.

Patriots Bank (#18019) largest markets: Johnson County, KS (35 branches, 35 ZIPs) (#18019), Camden County, MO (18 branches, 18 ZIPs) (#18019), Franklin County, KS (26 branches, 13 ZIPs) (#18019), Anderson County, KS (20 branches, 10 ZIPs) (#18019).

Patriots Bank (#18019) reports $268.8 million in total assets; Patriots Bank (#18019) equity $23.7 million (8.8% of Patriots Bank (#18019) assets); Patriots Bank (#18019) domestic deposits $233.4 million; Patriots Bank (#18019) net income $2.4 million; Patriots Bank (#18019) return on assets 1.81%; Patriots Bank (#18019) return on equity 20.83%; Patriots Bank (#18019) net interest income $6.0 million; Patriots Bank (#18019) call report June 30, 2026.

Patriots Bank (#18019) noncurrent real-estate loans: none reported; Patriots Bank (#18019) net charge-offs on real estate 0.00%.

Patriots Bank (#18019) net interest margin 4.78% against an eight-quarter Patriots Bank (#18019) average of 4.71% (Patriots Bank (#18019) compression -0.06 points); Patriots Bank (#18019) rate-exposure score 40/100, Patriots Bank (#18019) fixed-rate trap 40/100; Patriots Bank (#18019) risk type credit driven; Patriots Bank (#18019) rate regime rates elevated, Patriots Bank (#18019) snapshot October 19, 2026.

Patriots Bank (#18019) stress score moved from 54.3 on June 22, 2026 to 58.6 on October 20, 2026; Patriots Bank (#18019) ranged 54.3 to 58.6 over 117 snapshots.

Patriots Bank (#18019) alerts: 4 counties; top Patriots Bank (#18019) alert scores: Gardner County, KS 21 (low); Garnett County, KS 21 (low); Lake Ozark County, KS 21 (low); Princeton County, KS 21 (low).