Patriots Bank: how it compares with its peers
Against 80 KS banks with half to twice its assets, Patriots Bank's strongest measure in Q2 2026 is net interest margin (4.78% vs. a 3.95% peer median). Its weakest relative measure is assets per employee ($6.6M vs. $6.9M).
| Measure | Patriots Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.81% | 1.47% | Top third Ahead of 79% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.78% | 3.95% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.27% | 58.69% | Middle third Ahead of 51% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $6.9M | Middle third Ahead of 39% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.83% | 76.80% | Context |
What it means for lending operations
Its efficiency ratio of 58.27% is better than the 58.69% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- FNB Bank Goodland, KS · $270M
- Citizens State Bank and Trust Co., Ellsworth, Kansas Ellsworth, KS · $276M
- The Farmers State Bank of Westmoreland Westmoreland, KS · $258M
- Fusion Bank Larned, KS · $281M
- Bankers' Bank of Kansas Wichita, KS · $256M
- Vintage Bank Kansas Leon, KS · $289M
Questions about Patriots Bank
How big is Patriots Bank?
Patriots Bank, established in 1899, is headquartered in Garnett, KS. It reported $269M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Patriots Bank's return on assets?
1.81% annualized in Q2 2026, against a 1.47% median for 80 KS banks with half to twice its assets, ahead of 79% of them.
What is Patriots Bank's efficiency ratio?
58.27% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 58.69%, and lower is better.
Is Patriots Bank growing its loans?
Net loans grew 8.9% over the year to Q2 2026, while deposits grew 4.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.