Is Patterson State Bank Safe?
Patterson State Bank has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (39/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 16.64% | 100/100 |
| Nonperforming Loan Ratio | 1.31% | 74/100 |
| Liquidity Ratio | 37.84% | 100/100 |
| Return on Assets | 0.48% | 39/100 |
| Total Assets | $0.3B | |
How does Patterson State Bank compare?
With a Bank Health Score of 86/100, Patterson State Bank sits 16.0 points above the national average of 70/100 for FDIC-insured banks. Within Louisiana, where 93 FDIC-insured banks are headquartered, Patterson State Bank ranks above the state average of 63/100 (Grade C).
The bank's Tier 1 capital ratio of 16.64% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 1.31% is in a normal range for a bank this size.
What changed in the last year?
Over the last four quarters, Patterson State Bank's Bank Health Score fell by 5.0 points to 86/100. Tier 1 capital strengthened by 0.49 percentage points to 16.64%. Quarter-over-quarter, the score fell by 1.0 points.
Patterson State Bank has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (39/100).