This institution is no longer active

Operations ceased on August 31, 2017. CRA examination history below reflects the period it was active.

PATRIOT BANK

TRINITY, FL · Supervised by FDIC

Est. 2004FDIC #57,789RSSD: FDIC-57789

Satisfactory Same

Current rating · Exam: June 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.91%

Institution Profile

FDIC BankFind

Address

1815 Little Road, TRINITY, FL

County

Pasco County

Established

October 22, 2004

Total Assets

$154M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2012

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 14 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2017Call Report / FDIC

Total Assets

$154M

Total Deposits

$132M

Net Loans

$128M

Net Income

$709K

ROA

0.91%

ROE

7.35%

Risk-Based Capital

13.25%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate14.29%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	833	73.47%	14.29%
2023	791	76.86%	8.60%
2022	977	78.61%	5.02%
2021	1,761	85.52%	1.82%
2020	1,869	89.83%	1.44%
2019	991	87.69%	2.02%
2018	785	85.86%	2.42%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2007

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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