Patriot Community Bank

Patriot Community Bank is headquartered in Woburn and is the 129^th largest bank in the state of Massachusetts. It is also the 4,000^th largest bank in the nation. It was established in 2006 and as of December of 2012, it had grown to 27 employees at 1 location. Patriot Community Bank has a 5-star health rating.

Patriot Community Bank Routing Number: 011375274

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Data for Q4 2012

Institution Statistics Patriot Community Bank FDIC Certificate # 58133 BankRate Report View Year Established 2006 Employees 27 Primary Regulator FED Assets and Liabilities Assets $139.62 million Loans $113.95 million Deposits $122.88 million Equity Capital $15.84 million Loan Loss Allowance $845,000 Unbacked Noncurrent Loans $79,000 Historic Data - December 2011 Assets $118.45 million Equity Capital $11.39 million Loan Loss Allowance $678,000 Profit Margin - Quarterly Net Interest Margin 3.08% Return on Assets 1.64% Return on Equity 15.69% Interest Income $5.00 million

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 December 31, 2012 Patriot Community Bank had $79,000 in non-current loans and owned real-estate with $16.68 million in equity and loan loss allowances on hand to cover it. This gives Patriot Community Bank a Texas Ratio of 0.47% 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 $17.19 million, resulting in 16.26% 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 $139.62 million in assets with $16.68 million in equity, resulting in a capitalization level of 11.95%, which is above average.

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