Patrons Bank National Assn (FDIC #4170): Bank Stress & Real-Estate Credit Exposure

Patrons Bank National Assn (FDIC Cert #4170): bank stress 71/100, elevated, STABLE over 7 days; parent FIRST OKMULGEE CORP.

Patrons Bank National Assn (#4170) lends in 3 counties across 1 state; Patrons Bank National Assn (#4170) reaches 63 ZIP codes: Oklahoma 3 counties, 63 ZIPs.

Patrons Bank National Assn (#4170) largest markets: Tulsa County, OK (43 branches, 43 ZIPs) (#4170), Okmulgee County, OK (33 branches, 11 ZIPs) (#4170), Seminole County, OK (10 branches, 10 ZIPs) (#4170).

Patrons Bank National Assn (#4170) reports $314.5 million in total assets; Patrons Bank National Assn (#4170) equity $29.8 million (9.5% of Patrons Bank National Assn (#4170) assets); Patrons Bank National Assn (#4170) domestic deposits $275.4 million; Patrons Bank National Assn (#4170) net income $1.6 million; Patrons Bank National Assn (#4170) return on assets 1.08%; Patrons Bank National Assn (#4170) return on equity 11.10%; Patrons Bank National Assn (#4170) net interest income $5.9 million; Patrons Bank National Assn (#4170) call report June 30, 2026.

Patrons Bank National Assn (#4170) noncurrent real-estate loans 0.02% of its book; Patrons Bank National Assn (#4170) net charge-offs on real estate 0.94%; Patrons Bank National Assn (#4170) residential charge-offs 1.67%.

Patrons Bank National Assn (#4170) net interest margin 4.26% against an eight-quarter Patrons Bank National Assn (#4170) average of 4.05% (Patrons Bank National Assn (#4170) compression -0.20 points); Patrons Bank National Assn (#4170) real-estate loans 1.9% of equity; Patrons Bank National Assn (#4170) non-residential real estate 166.7% of equity; Patrons Bank National Assn (#4170) rate-exposure score 40/100, Patrons Bank National Assn (#4170) fixed-rate trap 40/100; Patrons Bank National Assn (#4170) risk type credit driven; Patrons Bank National Assn (#4170) rate regime rates elevated, Patrons Bank National Assn (#4170) snapshot October 20, 2026.

Patrons Bank National Assn (#4170) stress score moved from 68.9 on June 22, 2026 to 70.7 on October 20, 2026; Patrons Bank National Assn (#4170) ranged 68.9 to 70.7 over 117 snapshots.

Patrons Bank National Assn (#4170) alerts: 3 counties; top Patrons Bank National Assn (#4170) alert scores: Okmulgee County, OK 46 (moderate); Bixby County, OK 23 (low); Wewoka County, OK 23 (low).