BlastPoint's Banking Scorecard
Patriot Bank, National Association
Community
Specialty: Commercial
CT
FDIC cert 33928
Stamford, CT
1484
banks in Community tier nationally
21 in CT
View Community leaderboard (CT) →
Patriot Bank, National Association has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 8.43% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.42% below tier
- - Net Interest Margin 1.40% below tier
- - Efficiency Ratio 40.13% above tier
- - Delinquency Rate 3.36% above tier
- - Nonperforming Asset Ratio 1.74% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+7.6% YoY
+14.4% QoQ
|
-$302.9M |
$1.4B
+2.0% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$610.2M
-14.8% YoY
+1.7% QoQ
|
-$365.2M |
$975.5M
+2.4% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$978.5M
+1.0% YoY
+15.5% QoQ
|
-$186.2M |
$1.2B
+1.7% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
-0.25%
+93.1% YoY
+52.7% QoQ
|
-1.42% |
1.16%
+17.2% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
2.27%
-5.5% YoY
+2.6% QoQ
|
-1.40% |
3.66%
+9.1% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
102.76%
+1.7% YoY
-6.0% QoQ
|
+40.13% |
62.63%
-5.3% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
3.99%
+10.4% YoY
-7.8% QoQ
|
+3.36% |
0.63%
+18.3% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
62.37%
-15.6% YoY
-11.9% QoQ
|
-20.69% |
83.06%
+0.3% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.91%
-2.3% YoY
+1.1% QoQ
|
-9.14% |
21.05%
-0.9% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
15% |
| Nonperforming Asset Ratio ? |
2.24%
-21.1% YoY
-18.0% QoQ
|
+1.74% |
0.50%
+20.3% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? |
18.67%
+146.5% YoY
+0.7% QoQ
|
+8.43% |
10.24%
-0.6% YoY
|
9.58%
+5.3% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.97%
+12.4% YoY
+32.0% QoQ
|
+0.23% |
0.74%
-1.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
85% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 9%
in Community
Why this stands out
Current:
18.67%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (5)
Return on Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
-0.25%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Community
Why this stands out
Current:
2.27%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
102.76%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.99%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
2.24%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Tier 1 Capital Ratio
Current: 18.67% · Tier avg: 10.24%
89
89th pctile
Loan-to-Deposit Ratio
Current: 62.37% · Tier avg: 83.06%
85
85th pctile
Non-Interest Income / Assets
Current: 0.97% · Tier avg: 0.74%
58
58th pctile
Total Deposits
Current: $978.5M · Tier avg: $1.2B
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
42
42th pctile
Total Loans
Current: $610.2M · Tier avg: $975.5M
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.91% · Tier avg: 21.05%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.24% · Tier avg: 0.50%
3
3th pctile
Net Interest Margin
Current: 2.27% · Tier avg: 3.66%
2
2th pctile
Return on Assets
Current: -0.25% · Tier avg: 1.16%
1
1th pctile
Efficiency Ratio
Current: 102.76% · Tier avg: 62.63%
0
0th pctile
Delinquency Rate
Current: 3.99% · Tier avg: 0.63%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.99% · Tier avg: 0.63%
1
1th pctile
Efficiency Ratio
Current: 102.76% · Tier avg: 62.63%
2
2th pctile
Return on Assets
Current: -0.25% · Tier avg: 1.16%
3
3th pctile
Net Interest Margin
Current: 2.27% · Tier avg: 3.66%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.24% · Tier avg: 0.50%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.91% · Tier avg: 21.05%
42
42th pctile
Total Loans
Current: $610.2M · Tier avg: $975.5M
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
58
58th pctile
Total Deposits
Current: $978.5M · Tier avg: $1.2B
85
85th pctile
Non-Interest Income / Assets
Current: 0.97% · Tier avg: 0.74%
89
89th pctile
Loan-to-Deposit Ratio
Current: 62.37% · Tier avg: 83.06%
91
91th pctile
Tier 1 Capital Ratio
Current: 18.67% · Tier avg: 10.24%