Patriot Bank N.A.
Stamford, CT·RSSD 2236821·FDIC 33928·bank:2236821·Risk-based ratios where reported
- #13 of 28Total assets in Connecticut
- 8offices
- 133employees
- Top 1%Margin improvement in the U.S.
- Top 1%Loan growth in the U.S.
- Top 1%Deposit growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Patriot Bank N.A.
11 of 24 FORFI signals stand out against 629 similar banks, based on FDIC data for the quarter.
Efficiency ratio falling faster than peersStrength: Efficiency 2nd quarter85.6%peers 60.3%+25.2 pp
Patriot Bank N.A.'s efficiency ratio fell 29.0 percentage points over the past year to 85.6%. Among 626 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 85.6% | 60.3% | +25.2 pp |
| 12-month change | ||
| -29.0 pp | -2.1 pp | -26.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Patriot Bank N.A. itself is left out of every peer median and percentile. How signals work
Net interest margin widening faster than peersStrength: Earnings 2nd quarter3.26%peers 3.82%-55 bps
Patriot Bank N.A.'s net interest margin rose 111 bps over the past year to 3.26%. Among 628 similar banks, the median rose 23 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 3.26% | 3.82% | -55 bps |
| 12-month change | ||
| +111 bps | +23 bps | +87 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Patriot Bank N.A. itself is left out of every peer median and percentile. How signals work
Reliance on CDs falling faster than peersNotable: Funding 2nd quarter22.6%peers 26.5%-3.9 pp
Patriot Bank N.A.'s time deposits' share of deposits fell 11.2 percentage points over the past year to 22.6%. Among 625 similar banks, the median fell 0.7 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Time deposits' share of deposits | ||
| 22.6% | 26.5% | -3.9 pp |
| 12-month change | ||
| -11.2 pp | -0.7 pp | -10.5 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Patriot Bank N.A. itself is left out of every peer median and percentile. How signals work
Commercial lending growing with steady creditStrength: Lending FORFI signal+70.6%peers +4.3%+66.3 pp
Patriot Bank N.A.'s C&I loans grew faster than at similar banks, without a material rise in problem loans or net charge-offs.
| This institution | Peer median | Difference |
|---|---|---|
| Commercial and industrial loans, 12-month growth | ||
| +70.6% | +4.3% | +66.3 pp |
With internal data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Patriot Bank N.A. itself is left out of every peer median and percentile. How signals work
Problem loans falling while the peer median risesStrength: Asset quality 2nd quarter2.75%peers 0.48%+227 bps
Patriot Bank N.A.'s noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans fell 127 bps over the past year to 2.75%. Among 624 similar banks, the median rose 2 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans | ||
| 2.75% | 0.48% | +227 bps |
| 12-month change | ||
| -127 bps | +2 bps | -129 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Patriot Bank N.A. itself is left out of every peer median and percentile. How signals work
6 more observations
- Return on assets rising faster than peersEarnings
- Deposit costs falling faster than peersFunding
- Loans growing faster than peersLending
- C&I lending growing faster than peersLending
- Deposits growing faster than peersFunding
- Total assets growing faster than peersGrowth
Key facts
- Patriot Bank N.A. is a bank headquartered in Stamford, Connecticut. It reported $1.3 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $1.2 billion, up 43.6% from a year earlier, and loans totaled $910 million, up 50.9%.
- Its net interest margin was 3.26% and its annualized return on assets was 0.87% for the quarter.
- Its cost of all deposits was 2.49%, compared with a median of 1.93% among 625 similar banks with $1 billion to $3 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Patriot Bank N.A.'s own data, FORFI would look at: Where revenue per relationship falls short of the cost to serve it.
Analysis workspaces
Sources and identifiers
- Institution
- Patriot Bank N.A. · Bank
- Federal Reserve RSSD
- 2236821
- FDIC certificate
- 33928
- Reporting period
- Peer group
- 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Patriot Bank N.A. itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $2.72M | — | |
| $16.74M | — | |
| $7.15M | — | |
| $9.59M | — | |
| $2.75M | — | |
| $10.56M | — | |
| $571K | — | |
| $589K | — | |
| 0.87% | 0.87%ROAQ · Quarter | |
| 3.26% | 3.25%NIMYQ · Quarter | |
| 85.57% | 85.48%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.