American Patriot Bank

American Patriot Bank is headquartered in Greeneville and is the 160^th largest bank in the state of Tennessee. It is also the 5,094^th largest bank in the nation. It was established in 2001 and as of December of 2011, it had grown to 33 employees at 5 locations. American Patriot Bank has a 1-star health rating.

American Patriot Bank Routing Number: 064209300

Data for Q4 2011

Institution Statistics American Patriot Bank FDIC Certificate # 57169 BankRate Report View Year Established 2001 Employees 33 Primary Regulator FDIC Assets and Liabilities Assets $94.19 million Loans $59.50 million Deposits $91.34 million Equity Capital $2.07 million Loan Loss Allowance $1.64 million Unbacked Noncurrent Loans $6.06 million Real Estate Owned $10.16 million Historic Data - December 2010 Assets $100.11 million Equity Capital $3.11 million Loan Loss Allowance $2.96 million Unbacked Noncurrent Loans $12.16 million Real Estate Owned $3.75 million Profit Margin - Quarterly Net Interest Margin 3.65% Return on Assets -1.15% Return on Equity -44.48% Interest Income $4.02 million

Institution Health Overall Score: 1 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 American Patriot Bank had $16.22 million in non-current loans and owned real-estate with $3.7 million in equity and loan loss allowances on hand to cover it. This gives American Patriot Bank a Texas Ratio of 438.29% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for American Patriot Bank increased slightly from 262.50% as of December 31, 2010 to 438.29% as of December 31, 2011, resulting in a negative change of 66.97%. This indicates that the balance sheet and financial strength for American Patriot Bank has declined slightly in recent periods. Deposit Growth In the past year, American Patriot Bank has decreased its total deposits by -$2.32 million, resulting in -2.48% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American Patriot Bank has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American Patriot Bank has $94.19 million in assets with $3.7 million in equity, resulting in a capitalization level of 3.93%, which is poor.

No reviews have been left for this bank yet. Be the first to review.