Institution Statistics
| Patriot Community Bank | | FDIC Certificate # | 58133 | | BankRate Report | View | | Year Established | 2006 | | Employees | 22 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $113.96 million | | Loans | $82.22 million | | Deposits | $101.13 million | | Equity Capital | $11.82 million | | Loan Loss Allowance | $723,000 |
Historic Data - March 2011 | | Assets | $99.26 million | | Equity Capital | $10.47 million | | Loan Loss Allowance | $577,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.99% | | Return on Assets | 1.44% | | Return on Equity | 14.37% | | Interest Income | $1.19 million |
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Institution Health
Overall Score:
5 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 March 31, 2012 Patriot Community Bank had $0 in non-current loans and owned real-estate with $12.54 million in equity and loan loss allowances on hand to cover it. This gives Patriot Community Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Patriot Community Bank has increased its total deposits by $12.95 million, resulting in 14.69% 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 Community Bank has shown is excellent. | | 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. Patriot Community Bank has $113.96 million in assets with $12.54 million in equity, resulting in a capitalization level of 11.00%, which is above average. |
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