This institution is no longer active

Operations ceased on April 2, 2013. CRA examination history below reflects the period it was active.

PATRIOTS BANK

LIBERTY, MO · Supervised by FDIC

Est. 2003FDIC #57,651RSSD: FDIC-57651

Part ofLIBERTY FIRST BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: July 2011

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.25%

Institution Profile

FDIC BankFind

Address

913 West Liberty Drive, LIBERTY, MO

County

Clay County

Established

November 5, 2003

Total Assets

$88M(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

July 1, 2011

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 Q1 2013Call Report / FDIC

Total Assets

$88M

Total Deposits

$80M

Net Loans

$45M

Net Income

$-54K

ROA

-0.25%

ROE

-2.89%

Risk-Based Capital

13.14%

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 Rate0.00%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	42	100%	0.00%
2023	32	100%	0.00%
2019	49	91.84%	4.08%
2018	31	96.77%	3.23%

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 2006

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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