Patriot Bank

Headquarters: Millington, Tennessee
Charter: Bank
Assets: $451.2M
Fed district: St. Louis
Regulator: Federal Reserve
Holding company: Security Bancorp of Tn Inc.

Explore Hamilton View published fees

Compared with Tennessee

6 of 12

compared fees are above the median.

3 below, 3 about the same.

About the same: within 1% of the median.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
56th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Tennessee median
of 12 compared; 3 below, 3 about the same
See the fees
Fee schedule read Oct 30, 2026

How these figures are measured

Call-report figures are for Patriot Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out.	FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ)	Q2 2026 Quarter ended Jun 30, 2026	Not recorded
Fees above the Tennessee median	Published fees above the Tennessee median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Patriot Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 30, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data); FDIC BankFind Suite (call report data)
Entity: Patriot Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: FFIEC call report (bulk data): Standalone quarter: year to date less the prior quarter (Q1 as filed). FDIC BankFind Suite (call report data): One quarter, as reported
Fields: FFIEC call report (bulk data): RIAD4080; FDIC BankFind Suite (call report data): ISERCHGQ
Retrieved: Nov 1, 2026

What stands out

Service charges were 2.3% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (56th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $109K in Q2 2026, 9.2% below the same quarter a year earlier ($120K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 12 compared published fees sit above the Tennessee median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.

Fees against the market

Comparison with Tennessee medians for fees published by banks and credit unions.

NSF / Returned Item
Patriot Bank: $35
Patriot Bank: $35
Tennessee median: $31.5076 publishSt. Louis district median: $30199 publishU.S. median: $302,859 publish
Wire Transfer (Domestic Out)
Patriot Bank: $20
Patriot Bank: $20
Tennessee median: $2054 publishSt. Louis district median: $20166 publishU.S. median: $252,630 publish
Stop Payment
Patriot Bank: $35
Patriot Bank: $35
Tennessee median: $3087 publishSt. Louis district median: $30218 publishU.S. median: $27.503,349 publish

Published schedulesBanks and credit unionsRead Oct 30, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Tennessee, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Tennessee: Banks and credit unions headquartered in Tennessee that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 2.8% from Q3 2025 to Q2 2026, to $109K. Its share of revenue, 2.3%, is above the 2.1% median for banks with $300M to $1B in assets.

Service-charge income, Q2 2026

$109K

$106KQ3 2025

$125KQ4 2025

$119KQ1 2026

$109KQ2 2026

Against the median

Share of revenue2.3% / 2.1%

Patriot BankMedian

Sources and open questions

FFIEC and FDIC call reportss, bank level, standalone quarters. Four quarters are too few to call a trend.

Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.

How much of the higher share comes from how often fees are charged, rather than what they cost?
Do business accounts and account analysis fees make up more of service charges than at peers?

See a free sample report

Among its peers

Patriot Bank · $451M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$436M to $463M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Patriot Bank(this institution)	Millington, TN	$451M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Alliance Bank	Francesville, IN	$455M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Better Banks	Peoria, IL	$446M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Citizens State Bank	Lena, IL	$453M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Exchange Bank of Missouri	Fayette, MO	$454M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Frontier Bank	Lamar, CO	$436M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Hometown Bank of Pennsylvania	Bedford, PA	$454M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Honor Bank	Honor, MI	$443M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
JONES BANK	Seward, NE	$441M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Local Bank	Hulbert, OK	$463M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Meade County Bank	Brandenburg, KY	$458M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Morgantown Bank & Trust Company, Incorporated	Morgantown, KY	$440M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
NobleBank & Trust	Anniston, AL	$444M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Brookfield Savings Bank	North Brookfield, MA	$449M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Oostburg State Bank	Oostburg, WI	$440M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pacific Alliance Bank	San Gabriel, CA	$454M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
RiverHills Bank	Vicksburg, MS	$445M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Spring Bank	Brookfield, WI	$441M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Bank of Clovis	Clovis, NM	$438M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Bippus State Bank	Huntington, IN	$459M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Citizens State Bank	Moundridge, KS	$451M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Denison State Bank	Holton, KS	$454M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Hometown Savings Bank	Terre Haute, IN	$456M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The National Grand Bank of Marblehead	Marblehead, MA	$445M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The St. Henry Bank	St. Henry, OH	$436M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Welch State Bank of Welch, Okla.	Welch, OK	$450M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 11 publish this fee(monthly maintenance)

14 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Patriot Bank does not publish a monthly maintenance fee in the index.

The peer median is $6 among 11 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Patriot Bank does not publish a monthly maintenance fee, so it is not on this chart.

Patriot BankPeer (equal prices stack)Peer medianInclude $27.50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Patriot Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $109K
vs prior quarter: −$10K−8.4%; from Q1 2026
vs a year earlier: −$11K−9.2%; from Q2 2025
vs start of range: +$10K+10.1%; from Q3 2024

Details

Source: FFIEC call report (bulk data); FDIC BankFind Suite (call report data)
Entity: Patriot Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: FFIEC call report (bulk data): Standalone quarter: year to date less the prior quarter (Q1 as filed). FDIC BankFind Suite (call report data): One quarter, as reported
Fields: FFIEC call report (bulk data): RIAD4080; FDIC BankFind Suite (call report data): ISERCHGQ
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$109K	−$10K	−8.4%
Q1 2026	$119K	−$6K	−4.8%
Q4 2025	$125K	+$19K	+17.9%
Q3 2025	$106K	−$14K	−11.7%
Q2 2025	$120K	+$8K	+7.1%
Q1 2025	$112K	−$13K	−10.4%
Q4 2024	$125K	+$26K	+26.3%
Q3 2024	$99K	+$6K	+6.5%

Service-charge share against its size cohort

Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Patriot Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Patriot Bank: 2.3%
Percentile: 56th
25th percentile: 1.2%
Median: 2.1%
75th percentile: 3.4%

Patriot Bank 2.3%Median 2.1%Middle half 1.2% to 3.4%Peers at each share24 above 10%, counted in the last bar

Find a peer (1,412)

The 15 closest to Patriot Bank by share.

Details

Source: FDIC BankFind Suite (call report data)
Entity: Each bank, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026)
Measure: Service charges on deposit accounts divided by revenue (net interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: ISERCHGQ / (NIMQ + NONIIQ)

Published fee schedule

Amounts from Patriot Bank’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Dormant checking account fee$10
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Dormant Fee / Savings$10
Not compared: Annual charge, not monthly
per year
Complimentary eStatements or Paper Statements with Transaction Listing only$5
Above the U.S. middle 50% ($2 to $4.98 nationally)
per month

Overdraft & NSF

Insufficient Funds$35
Above the U.S. middle 50% ($25 to $32 nationally)
per item

ATM & Card

Debit Card Replacement$5
Inside the U.S. middle 50% ($5 to $10 nationally)
per item

Wire Transfers

Wire Transfers - Domestic$20
Inside the U.S. middle 50% ($20 to $25 nationally)
per item
Wire Transfers - Incoming$15
Inside the U.S. middle 50% ($5 to $15 nationally)
per item
Wire Transfers – International$60
Above the U.S. middle 50% ($40 to $50 nationally)
per item

Check Services

Official Checks$5
Inside the U.S. middle 50% ($3 to $6 nationally)
per item
Stop Payment Fee$35
Above the U.S. middle 50% ($20 to $30 nationally)
per item

Cash & Deposit

Deposited Item Returned$10
Inside the U.S. middle 50% ($9 to $25 nationally)
per item

Account Services

Notary Services FeeNo charge
Inside the U.S. middle 50% ($0 to $5 nationally)

Other Fees

Reproduction Fee$5
Inside the U.S. middle 50% ($2 to $5 nationally)
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant checking account fee	$10Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Dormant Fee / Savings	$10Not compared: Annual charge, not monthly	per year	None
Complimentary eStatements or Paper Statements with Transaction Listing only	$5Above the U.S. middle 50% ($2 to $4.98 nationally)	per month	None
Overdraft & NSF
Insufficient Funds	$35Above the U.S. middle 50% ($25 to $32 nationally)	per item	None
ATM & Card
Debit Card Replacement	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per item	None
Wire Transfers
Wire Transfers - Domestic	$20Inside the U.S. middle 50% ($20 to $25 nationally)	per item	None
Wire Transfers - Incoming	$15Inside the U.S. middle 50% ($5 to $15 nationally)	per item	None
Wire Transfers – International	$60Above the U.S. middle 50% ($40 to $50 nationally)	per item	None
Check Services
Official Checks	$5Inside the U.S. middle 50% ($3 to $6 nationally)	per item	None
Stop Payment Fee	$35Above the U.S. middle 50% ($20 to $30 nationally)	per item	None
Cash & Deposit
Deposited Item Returned	$10Inside the U.S. middle 50% ($9 to $25 nationally)	per item	None
Account Services
Notary Services Fee	No chargeInside the U.S. middle 50% ($0 to $5 nationally)	Not stated	None
Other Fees
Reproduction Fee	$5Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None

Correct a fee source

Oct 30, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Patriot Bank operates, and what regulators and customers have on file.

Branch footprint

8 offices in 1 state, $402.3M in branch deposits (June 2026)

Each dot is one office.

This bankOther banks and credit unions

Largest markets by deposits

$402.3M

Memphis, TN-MS-AR

0.9% of bank deposits, #21 of 48, down 0.1 points over five years.

Largest competitors here	Deposit share
First Horizon Bank	37.8%
Regions Bank	10.1%
Pinnacle Bank	5.9%
The Huntington National Bank	5%
Bank of America, National Association	3.9%

Fees in Covington →

Branch count by year

Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.

Market position

In Memphis, TN-MS-AR, Patriot Bank holds 0.9% of bank deposits, #21 of 48, with 8 offices.

Compare fees with the 49 Memphis, TN-MS-AR banks and credit unions in its home-metro peer set →

Offices in the metro

442 offices of 90 institutions shown.

Patriot BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Memphis, TN-MS-AR metro (FDIC metro code 32820), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 6 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1First Horizon Bank37.8%
2Regions Bank10.1%
3Pinnacle Bank5.9%
4The Huntington National Bank5.0%
5Bank of America, National Association3.9%
6Independent Bank3.5%
7Truist Bank3.3%
8Renasant Bank2.5%
21Patriot Bank0.9%

9 of 48 institutions shown. $46.3B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Memphis, TN-MS-AR metro (FDIC metro code 32820)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 0.9% share, 8 offices, #21 of 48

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Memphis, TN-MS-AR metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

108 offices of 43 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

None on file with the Federal Reserve

The Federal Reserve has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

Get an email when Patriot Bank's cashier's check changes in our data

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