American Patriot Bank


3095 East Andrew Johnson Highway
Greeneville, TN 37745
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

American Patriot Bank is an FDIC insured institution located in Greeneville, TN. It was founded in 2001 and has approximately $0.06 billion in assets.

FDIC Insured Yes
FDIC Certificate # 57169
Date Established 2001
Assets $ 59.83 million
Loans $ 37.68 million
Deposits $ 58.24 million
Capital $ 1.25 million

For a more detailed analysis of American Patriot Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 26, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - September 26, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for American Patriot Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

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2.736% 2.690%
0.63 points
$1,508 fees
$1,013 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

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After Intro: 3.750 %
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Third Federal Savings and Loan
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2.240 %
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Note to American Patriot Bank
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Financial Details

American Patriot Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Patriot Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
American Patriot Bank U.S. Bank Average
504.32% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, American Patriot Bank had $836,000 in non-current loans and $8,978,000 in owned real estate. To cover these potential losses it had $1,246,000 in equity and $700,000 in loans loss reserves. That gives it a Texas Ratio of 504.32%.

Return on Equity
American Patriot Bank U.S. Bank Average
-17.24% 11.43%

American Patriot Bank has a Return on Equity of -17.24% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

American Patriot Bank U.S. Bank Average
2.08% 11.51%

American Patriot Bank has a Capitalization of 2.08% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

American Patriot Bank Balance Sheet Analysis

As of June 30, 2016, American Patriot Bank had assets of $58,026,000, loans of $37,683,000, and deposits of $58,244,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 37.68 million
Loan loss allowance $ 0.70 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 8.98 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 58.24 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 59.83 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in American Patriot Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Tennessee, American Patriot Bank has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 50.02
Credit Card Loans 0.00
Consumer Auto Loans 0.89
Small Business Loans 17.53
Construction and Development Loans 3.88
Commercial Real Estate 18.62
Commercial and Industrial Loans 14.96
Farm Loans 2.07

Frequently Asked Questions About American Patriot Bank

Branches and Savings

Is American Patriot Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57169.

Why does American Patriot Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are American Patriot Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is American Patriot Bank a commercial bank?


Where are American Patriot Bank locations?

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Is American Patriot Bank open on Saturdays?

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Are American Patriot Bank ATMs Open 24/7?

Do American Patriot Bank ATMs accept cash deposits?

Can American Patriot Bank customers use other ATMs?

Do American Patriot Bank branches have notaries?

Will American Patriot Bank notarize my document?

What address for American Patriot Bank should I put for incoming ACH transfers?

Will the American Patriot Bank branch print checks?

Do American Patriot Bank checks expire?

Does American Patriot Bank require US citizenship to open account?

Can American Patriot Bank close my account?

Does American Patriot Bank Report to credit bureaus?

Does American Patriot Bank Use Equifax?

What is American Patriot Bank's ACH Routing Number?

What is American Patriot Bank's SWIFT code?


Does American Patriot Bank offer mortgages?

Compare mortgage rates here.

Does American Patriot Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does American Patriot Bank offer personal loans?

Compare personal loan rates here.

Does American Patriot Bank offer student loans?

Will American Patriot Bank cash a check?

Will American Patriot Bank redeem a savings bond?

Does American Patriot Bank cash savings bonds?

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Can American Patriot Bank issue a money order?

Does American Patriot Bank do currency exchange?

Background on The Bank

Who owns American Patriot Bank?

How long has American Patriot Bank been around?

Can American Patriot Bank transfer to other banks?

Does American Patriot Bank have quick pay?

Does American Patriot Bank accept rolled coins?

Will American Patriot Bank accept loose change?

Where is American Patriot Bank headquarters?

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