BlastPoint's Banking Scorecard
Patriot Bank, National Association
Designations: ✓ Community bank
Stamford, CT
8 branches across CT · NY
Patriot Bank, National Association faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.85% below tier average
- - Efficiency Ratio 26.47% above tier average
- - Delinquency Rate 2.08% above tier average
- - Non-Interest-Bearing Deposit Share 12.75% below tier average
- - Nonperforming Asset Ratio 1.26% above tier average
- - Net Interest Margin 1.04% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+23.4% YoY
+8.4% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$4.6B
+6.9% YoY
|
$6.2B
+9.1% YoY
|
15% |
| Total Loans ? |
$771.4M
+12.1% YoY
+26.4% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$3.2B
+8.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 12.0% in tier |
| Total Deposits ? |
$1.1B
+21.7% YoY
+8.5% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$3.7B
+5.9% YoY
|
$4.8B
+8.2% YoY
|
20% |
| Return on Assets ? |
0.52%
+169.5% YoY
+300.0% QoQ
|
-0.85% |
1.37%
+19.6% YoY
|
0.98%
+59.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 9.5% in tier |
| Net Interest Margin ? |
2.78%
+36.5% YoY
+21.1% QoQ
|
-1.04% |
3.82%
+6.9% YoY
|
3.30%
+11.1% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.3% in tier |
| Efficiency Ratio ? |
87.54%
-23.7% YoY
-15.0% QoQ
|
+26.47% |
61.06%
-4.6% YoY
|
74.04%
-0.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 4.2% in tier |
| Delinquency Rate ? |
2.96%
-31.3% YoY
-25.7% QoQ
|
+2.08% |
0.89%
+14.1% YoY
|
0.76%
+15.1% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.4% in tier |
| Loan-to-Deposit Ratio ? |
72.67%
-7.9% YoY
+16.5% QoQ
|
-11.53% |
84.20%
+0.3% YoY
|
87.65%
+0.6% YoY
|
76.70%
+0.9% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
8.54%
-12.6% YoY
-28.3% QoQ
|
-12.75% |
21.29%
-2.5% YoY
|
20.48%
-2.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 8.8% in tier |
| Nonperforming Asset Ratio ? |
1.94%
-42.6% YoY
-13.4% QoQ
|
+1.26% |
0.67%
+15.6% YoY
|
0.54%
+14.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 6.8% in tier |
| Tier 1 Capital Ratio ? |
15.21%
+11.7% YoY
-18.5% QoQ
|
+0.05% |
15.16%
+2.0% YoY
|
15.66%
+1.9% YoY
|
17.06%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.28%
-3.3% YoY
-71.4% QoQ
|
+0.02% |
0.26%
+1.6% YoY
|
0.74%
+3.6% YoY
|
0.32%
+4.1% YoY
|
84% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
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