Patriot Bank, National Association
Stamford, CT · Cert 33928 · Peer group: banks $1B-$10B in assets (n=322-328) · Patriot National Bcorp Inc.
National charter · OCC · 8 branches
Q2 2026
$1.3BAssets
$909.6MLoans
$1.2BDeposits
$105.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 78% of banks $1B-$10B in assets (rank 73 of 322).
- Widest gap: efficiency ratio trails 98% of banks $1B-$10B in assets (rank 323 of 328).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.63%
Rank 294 of 328
Net Interest Margin
2.68%
Rank 292 of 328
Efficiency Ratio
86.53%
Rank 323 of 328
Equity / Assets
7.99%
Rank 310 of 328
Non-interest income vs. expense
Unfavorable gap of $27.7M · efficiency ratio beats 2% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.63% | 0.91% | 1.22% | 1.52% | Beats 10% | 294 / 328 | |
| Return on Equity | 7.93% | 8.43% | 11.45% | 14.43% | Beats 20% | 264 / 328 | |
| Net Interest Margin | 2.68% | 3.03% | 3.45% | 3.83% | Beats 11% | 292 / 328 | |
| Efficiency Ratio | 86.53% | 51.61% | 59.56% | 67.53% | Beats 2% | 323 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.75% | 0.24% | 0.51% | 1.03% | Beats 6% | 303 / 322 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 78% | 73 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 13.22% | 11.75% | 13.15% | 15.47% | Beats 52% | 158 / 328 | |
| Total Risk-Based Capital Ratio | 14.15% | 12.63% | 14.15% | 16.46% | Beats 50% | 164 / 328 | |
| Equity / Assets | 7.99% | 9.15% | 10.33% | 12.01% | Beats 5% | 310 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 75.21% | 76.63% | 87.92% | 95.36% | 23rd pctl | 248 / 323 | |
| Loans / Assets | 68.76% | 65.18% | 74.15% | 79.98% | 33rd pctl | 221 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |