Patriot Bank (TX)

Patriot Bank (TX) Locations
7500 San Felipe, Suite 125
Houston, TX 77063
713-400-7100
www.patriotbankusa.com

Patriot Bank (TX) is headquartered in Houston and is the 38th largest bank in the state of Texas. It is also the 539th largest bank in the nation. It was established in 1930 and as of March of 2012, it had grown to 246 employees at 10 locations. Patriot Bank (TX) has a 2-star health rating.

Related Posts

Competitive Long-Term CD Special at Patriot Bank in Texas - Local Only - 1/24/2010

Patriot Bank is offering a special 5-year CD with a 3.50% APY. Minimum deposit is $1,000, and the maximum is $100,000. New money is required. There's also a step-up feature in which you are allowed a ...

High-Interest Reward Checking Account at Patriot Bank in Florida - 5/8/2009

Update 11/13/09: The top rate has fallen to 3.01% APY this week. Refer to the bottom of the post for the rate history.Patriot Bank has a reward checking account called Revolutionary Checking. The account offers the following rates and features if certain...

4.00% CD with Terms from 4 to 12 Months at Patriot Bank in Texas - 10/6/2008

Update 10/13/08: The yield has dropped to 3.75% APY.Patriot Bank has a CD special with some competitive short-term rates. The yield is 4.00% APY for all terms from 4 to 12 months. The 4% isn't that great for 12 months, but it's much more competitive for...

4.00% 15-Month / 4.10% 25-Month CD at a Texas Bank (Patriot). - 6/12/2008

Update 7/12/08: These CD specials have ended. Please check with the bank for the latest rates and specials.Patriot Bank has increased the rates on its CD promotions since my post from last month. The largest increase was on the 15-month term. The rate...

2008

2007



Data for Q1 2012


Institution Statistics


Patriot Bank
FDIC Certificate #3258
BankRate ReportView
Year Established1930
Employees246
Primary RegulatorFDIC

Assets and Liabilities

Assets$1.22 billion
Loans$811.38 million
Deposits$992.56 million
Equity Capital$127.31 million
Loan Loss Allowance$16.00 million
Unbacked Noncurrent Loans$35.69 million
Real Estate Owned$50.86 million

Historic Data - March 2011

Assets$1.27 billion
Equity Capital$124.07 million
Loan Loss Allowance$19.87 million
Unbacked Noncurrent Loans$38.40 million
Real Estate Owned$12.10 million

Profit Margin - Quarterly

Net Interest Margin2.94%
Return on Assets0.34%
Return on Equity3.29%
Interest Income$11.97 million

Institution Health


Overall Score:
2 out of 5
2
Texas Ratio2
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 March 31, 2012 Patriot Bank (TX) had $86.55 million in non-current loans and owned real-estate with $143.3 million in equity and loan loss allowances on hand to cover it. This gives Patriot Bank (TX) a Texas Ratio of 60.40% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend2
The Texas Ratio for Patriot Bank (TX) increased slightly from 35.08% as of March 31, 2011 to 60.40% as of March 31, 2012, resulting in a negative change of 72.16%. This indicates that the balance sheet and financial strength for Patriot Bank (TX) has declined slightly in recent periods.
Deposit Growth2
In the past year, Patriot Bank (TX) has decreased its total deposits by -$28.88 million, resulting in -2.83% 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 Patriot Bank (TX) has shown is below average.
Capitalization4
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. Patriot Bank (TX) has $1.22 billion in assets with $143.3 million in equity, resulting in a capitalization level of 11.72%, which is above average.
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