This institution is no longer active

Operations ceased on February 1, 2013. CRA examination history below reflects the period it was active.

PATRIOT STATE BANK

FUQUAY VARINA, NC · Supervised by FDIC

Est. 2006FDIC #58,248RSSD: FDIC-58248

Satisfactory Same

Current rating · Exam: January 2012

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.57%

Is this bank safe?

PATRIOT STATE BANK holds a Satisfactory CRA rating (2012), and meets basic financial requirements (ROA +0.57%).

Institution Profile

FDIC BankFind

Address

210 North Main Street, FUQUAY VARINA, NC

County

Wake County

Established

August 21, 2006

Total Assets

$138M(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

January 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 Q4 2012Call Report / FDIC

Total Assets

$138M

Total Deposits

$119M

Net Loans

$113M

Net Income

$777K

ROA

0.57%

Above avg for Small banks. Peer avg: 0.44%

ROE

4.88%

Risk-Based Capital

15.46%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA0.57%Peer avg: 0.44%▲ Above avg

Risk-Based Capital15.46%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate25.67%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	1,165	61.89%	25.67%
2020	1,505	67.31%	15.15%
2019	1,123	65.36%	18.97%
2018	918	67.54%	21.13%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

Exam Date	Rating	Exam Type
Jan 2012	Satisfactory	Small Bank
Feb 2009	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/patriot-state-bank"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: