BlastPoint's Banking Scorecard

Patriot Bank, National Association

$1B-$10B Specialty: Commercial CT FDIC cert 33928

Designations: ✓ Community bank

Stamford, CT

8 branches across CT · NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 15 in CT.
Deposits +43.6% year over year ($1.2B on the books).
Delinquency rate 2.78%.
Return on assets 0.70%.
Efficiency ratio 86.43% vs a 59.73% peer average.
Loan-to-deposit ratio 74.51% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 15 in CT

View $1B-$10B leaderboard (CT) →

Patriot Bank, National Association faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Ratio 26.70% above tier average
- Delinquency Rate 1.91% above tier average
- Nonperforming Asset Ratio 1.22% above tier average
- ROA 0.69% below tier average
- Net Interest Margin 0.86% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Total Assets ?	$1.3B +42.2% YoY +12.1% QoQ	-$1.5B	$2.8B -0.6% YoY	$4.8B +5.5% YoY	$6.3B +7.7% YoY	24%
Total Loans ?	$901.1M +51.4% YoY +16.8% QoQ	-$1.1B	$2.0B -0.3% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	24%
Total Deposits ?	$1.2B +43.6% YoY +13.9% QoQ	-$1.1B	$2.3B -0.5% YoY	$3.9B +6.2% YoY	$4.9B +7.3% YoY	31%
Return on Assets ?	0.70% +178.8% YoY +35.0% QoQ	-0.69%	1.39% +17.0% YoY	1.11% +57.7% YoY	1.30% +12.1% YoY	Bottom 13.4% in tier
Net Interest Margin ?	3.01% +44.4% YoY +8.4% QoQ	-0.86%	3.87% +6.2% YoY	3.44% +11.6% YoY	3.95% +4.9% YoY	15%
Efficiency Ratio ?	86.43% -24.6% YoY -1.3% QoQ	+26.70%	59.73% -12.6% YoY	72.27% -70.9% YoY	70.05% +2.5% YoY	Bottom 3.1% in tier
Delinquency Rate ?	2.78% -31.8% YoY -6.3% QoQ	+1.91%	0.87% +11.7% YoY	0.70% -4.9% YoY	0.98% +16.3% YoY	Bottom 5.1% in tier
Loan-to-Deposit Ratio ?	74.51% +5.5% YoY +2.5% QoQ	-10.53%	85.04% -0.1% YoY	91.71% +1.4% YoY	79.03% +2.3% YoY	77%
Non-Interest-Bearing Deposit Share ?	12.96% -4.3% YoY +51.8% QoQ	-8.31%	21.27% -1.5% YoY	22.06% +1.6% YoY	21.98% -0.6% YoY	19%
Nonperforming Asset Ratio ?	1.89% -34.4% YoY -2.3% QoQ	+1.22%	0.67% +11.7% YoY	0.53% -3.6% YoY	0.69% +15.8% YoY	Bottom 6.4% in tier
Tier 1 Capital Ratio ?	13.22% -15.3% YoY -13.1% QoQ	-1.62%	14.84% -0.4% YoY	14.05% -0.0% YoY	17.09% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.45% -11.2% YoY +64.7% QoQ	-0.07%	0.53% +2.5% YoY	0.35% +5.1% YoY	0.66% +5.2% YoY	76%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Noninterest-Bearing	13.0% -0.6pp YoY +4.4pp QoQ	-8.4pp	21.4%	22.1%	22.2%	18%
Brokered Deposits	13.9% -0.8pp YoY -2.9pp QoQ	+4.5pp	9.5%	8.1%	8.5%	80%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
C&I	23.6% +2.7pp YoY +3.2pp QoQ	+9.6pp	14.0%	11.4%	12.5%	86%
CRE	n/a	n/a	50.0%	42.4%	41.4%	n/a
1-4 Family	22.3% +10.5pp YoY -2.1pp QoQ	-4.1pp	26.4%	42.2%	31.3%	48%
Consumer	0.9% -2.9pp YoY -0.2pp QoQ	-3.8pp	4.7%	4.1%	5.0%	43%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
CET1 Ratio	13.2% -2.4pp YoY -2.0pp QoQ	-2.4pp	15.6%	15.0%	19.7%	45%
Leverage Ratio	9.6% -0.5pp YoY +0.2pp QoQ	-1.7pp	11.3%	12.7%	12.6%	24%
Total Capital Ratio	14.2% -2.2pp YoY -2.1pp QoQ	-2.5pp	16.7%	16.0%	20.8%	41%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Full-Time Employees	133 +29 (+27.9%) YoY +19 (+16.7%) QoQ	-181	313	342	482	18%
Assets per Employee ($)	$9.9M +11.2% YoY -3.9% QoQ	-$535K	$10.5M	$9.9M	$8.8M	65%
Branch Count	8 0 YoY 0 QoQ	-12	20	19	18	20%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	2.8% -1.3pp YoY -0.2pp QoQ	+2.0pp	0.8%	0.7%	1.0%	96%
Allowance Coverage	0.34x +5.2% YoY -0.6% QoQ	-18.37x	18.71x	4.87x	20.23x	3%
Net Charge-off Rate (YTD)	-0.1% -0.6pp YoY 0.0pp QoQ	-0.4pp	0.3%	0.1%	0.2%	1%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
ROE	8.2% +21.4pp YoY +2.4pp QoQ	-4.4pp	12.6%	8.2%	11.6%	20%
Cost of Funds (YTD)	2.6% -0.7pp YoY -0.2pp QoQ	+0.7pp	1.9%	1.7%	1.7%	87%
Net Income ($, YTD)	$4.2M +197.7% YoY — QoQ	-$15.1M	$19.2M	$28.0M	$40.4M	8%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

204

Loan-to-Deposit Ratio

liquidity

Value: 74.51%

Peer Median: 85.04%

#204 of 885 Top 22.9% in $1B-$10B

211

Non-Interest Income / Assets

revenue_mix

Value: 0.45%

Peer Median: 0.53%

#211 of 885 Top 23.7% in $1B-$10B

Top Weaknesses (8 metrics)

859

Efficiency Ratio

profitability

Value: 86.43%

Peer Median: 59.73%

#859 of 885 Bottom 3.1% in $1B-$10B

838

Delinquency Rate

credit_quality

Value: 2.78%

Peer Median: 0.87%

#838 of 882 Bottom 5.1% in $1B-$10B

829

Nonperforming Asset Ratio

credit_quality

Value: 1.89%

Peer Median: 0.67%

#829 of 885 Bottom 6.4% in $1B-$10B

767

Return on Assets

profitability

Value: 0.70%

Peer Median: 1.39%

#767 of 885 Bottom 13.4% in $1B-$10B

753

Net Interest Margin

profitability

Value: 3.01%

Peer Median: 3.87%

#753 of 885 Bottom 15.0% in $1B-$10B

719

Non-Interest-Bearing Deposit Share

funding

Value: 12.96%

Peer Median: 21.27%

#719 of 885 Bottom 18.9% in $1B-$10B

674

Total Assets

size

Value: $1.32B

Peer Median: $2.79B

#674 of 885 Bottom 24.0% in $1B-$10B

671

Total Loans

size

Value: $901.14M

Peer Median: $1.96B

#671 of 885 Bottom 24.3% in $1B-$10B