Community Focus Patriot Bank’s strong presence in growing local markets such as Shelby, Tipton, and Fayette counties offers opportunities to develop tailored small business and consumer banking solutions that align with their community-driven approach.

Digital Expansion The bank’s partnerships with FinTech companies like ZSuite Technologies and Sardine indicate a focus on digital channels and innovative payment solutions, presenting chances to cross-sell digital banking, payment processing, and security services.

Regulatory Challenges Recent DOJ allegations related to redlining practices highlight the need for compliance and risk management solutions, creating opportunities to promote audit, training, and regulatory technology offerings to strengthen compliance posture.

Asset Growth Patriot Bank’s significant pre-paid debit card deposit holdings suggest potential for expanding card issuing services, fraud prevention, and payments infrastructure to support their asset acquisition initiatives.

Leadership Development New executive hires and strategic partnerships point to a focus on growth and innovation, providing a gateway for offering executive consulting, strategic technology integrations, and staff development solutions to support their evolving corporate objectives.