Stamford, CT · Cert 33928 · Patriot National Bcorp Inc.
National charter · OCC · 8 branches
Q2 2026
Market Position · Bridgeport-Stamford-Danbury, CT · 2026 SOD (annual) · 1.5% share · #13 of 25 inst. · $1.1B of $77.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -10.49% | -3.63% | -0.75% | -1.04% | 0.20% | 0.50% | 0.52% | 0.87% | +191 bps | |
| Return on Equity | -181.71% | -89.88% | -13.03% | -12.27% | 2.04% | 5.07% | 5.80% | 10.53% | +2,279 bps | |
| Net Interest Margin | 2.31% | 2.22% | 1.80% | 1.94% | 2.30% | 2.46% | 2.42% | 3.03% | +109 bps | |
| Efficiency Ratio | 106.31% | 110.84% | 114.77% | 114.37% | 99.54% | 89.07% | 87.54% | 85.48% | -2,890 bps | |
| Non-Interest Burden | 2.54% | 2.58% | 2.23% | 2.35% | 2.30% | 2.05% | 1.99% | 2.47% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.31% | -7.44% | -10.85% | -10.45% | -2.28% | 7.59% | 23.41% | 42.22% | +5,267 bps | |
| Loan Growth (YoY) | -15.63% | -16.84% | -15.70% | -23.73% | -21.09% | -14.67% | 12.10% | 50.89% | +7,461 bps | |
| Deposit Growth (YoY) | -1.43% | 14.94% | 1.08% | 4.81% | 2.34% | 1.03% | 21.73% | 43.55% | +3,875 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 5.27% | 3.58% | 4.27% | 4.02% | 4.28% | 3.95% | 2.94% | 2.75% | -127 bps | |
| Net Charge-Offs / Loans | 0.57% | 8.49% | 0.77% | 0.36% | 0.13% | 0.00% | -0.11% | -0.05% | -41 bps | |
| Allowance / Loans | 1.95% | 1.01% | 0.97% | 1.29% | 1.18% | 1.11% | 1.00% | 0.93% | -36 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.3x | 0.2x | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 6.53% | 5.79% | 9.23% | 10.10% | 11.95% | 11.42% | 9.45% | 9.60% | -50 bps | |
| Total Risk-Based Capital | 9.29% | 7.71% | 14.13% | 16.34% | 19.19% | 19.25% | 16.25% | 14.15% | -219 bps | |
| Equity / Assets | 4.71% | 3.39% | 8.19% | 8.79% | 10.37% | 9.35% | 8.56% | 7.99% | -80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.90% | 74.67% | 79.70% | 71.55% | 71.63% | 63.07% | 73.40% | 75.21% | +366 bps | |
| Liquid Assets / Assets | 7.19% | 14.26% | 12.39% | 19.89% | 18.80% | 16.90% | 7.47% | 8.64% | -1,125 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 316% | 298% | 368% | n/a | n/a | |