TellerScore

Patriot Bank, National Association is a national bank headquartered in Stamford, Connecticut, in business for about 32 years. At the end of Q2 2026 it reported $1.3B in total assets and $1.2B in deposits, with 8 offices across 2 states.

Patriot Bank, National Association has a TellerScore of 36 out of 100 (low) based on Q2 2026 data — higher than only 1% of its 897 banks with $1 billion – $10 billion. Among 27 banks headquartered in Connecticut, it ranks 26th. Problem-loan coverage contributes the most (56/100, 21.9%); loan quality contributes the least (8/100, 2.75%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Tier 1 leverage ratio: 9.60%
Loan quality8/100
Noncurrent loans ÷ total loans: 2.75%
Earnings48/100
Return on assets (annualized): 0.70%
Funding & liquidity36/100
Loans ÷ deposits and uninsured-deposit share: 74.5% · 65.2% uninsured
Problem-loan coverage56/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 21.93%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (31 → 36), mostly because the earnings component improved by 48 points.

TellerScore
122741Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202418
Q3 202412
Q4 202413
Q1 202525
Q2 202531
Q3 202539
Q4 202541
Q1 202640
Q2 202636
Tier 1 leverage ratio
5.00%8.48%11.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.58%
Q3 20246.53%
Q4 20245.79%
Q1 20259.23%
Q2 202510.10%
Q3 202511.95%
Q4 202511.42%
Q1 20269.45%
Q2 20269.60%
Noncurrent loans
2.75%4.01%5.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20244.88%
Q3 20245.27%
Q4 20243.58%
Q1 20254.27%
Q2 20254.02%
Q3 20254.28%
Q4 20253.95%
Q1 20262.94%
Q2 20262.75%
Return on assets
-3.66%-1.48%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.43%
Q3 2024-3.66%
Q4 2024-3.63%
Q1 2025-0.75%
Q2 2025-0.89%
Q3 2025-0.53%
Q4 2025-0.26%
Q1 20260.52%
Q2 20260.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202636$1.3B9.60%2.75%0.70%74.5%
Q1 202640$1.2B9.45%2.94%0.52%72.7%
Q4 202541$1.1B11.42%3.95%-0.26%62.4%
Q3 202539$951.6M11.95%4.28%-0.53%70.8%
Q2 202531$930.2M10.10%4.02%-0.89%70.6%
Q1 202525$956.6M9.23%4.27%-0.75%78.9%
Q4 202413$1.0B5.79%3.58%-3.63%73.9%
Q3 202412$973.8M6.53%5.27%-3.66%91.1%
Q2 202418$1.0B8.58%4.88%-0.43%96.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.60%
25th
Total risk-based capital14.15%
56th
Problem loans2.75%
5th
Net charge-offs-0.09%
99th
Return on assets0.70%
14th
Net interest margin3.01%
16th
Efficiency ratio86.4%
3rd
Loans to deposits74.5%
77th
Uninsured deposits65.2%
2nd
Loan-loss reserves0.93%
23rd
Texas ratio21.9%
3rd

Similar-size banks in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Northwest Community BankBank Winsted, CT56 out of 100, Moderate$1.3B8.7%0.60%vs
Dime BankBank Norwich, CT72 out of 100, Strong$1.2B11.8%0.20%vs
Ascend BankBank Guilford, CT66 out of 100, Moderate$1.5B9.7%0.50%vs
The Torrington Savings BankBank Torrington, CT82 out of 100, Strong$1.0B19.0%0.14%vs
Ives BankBank Danbury, CT67 out of 100, Moderate$1.7B13.9%1.41%vs
Chelsea Groton BankBank Groton, CT82 out of 100, Strong$1.8B16.7%0.48%vs

Deposit insurance

Is my money safe at Patriot Bank, National Association?

Yes. Patriot Bank, National Association is an FDIC-insured institution (FDIC certificate #33928). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 65.2% of deposits ($788.2M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.60%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.15% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Patriot Bank, National Association lists 8 offices in 8 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Patriot Bank, National Association
Former names
Patriot National Bank
Type
National bank
FDIC certificate #
33928
RSSD ID
2236821
Primary regulator
OCC
Holding company
Patriot National Bcorp Inc
Established
August 31, 1994
Headquarters
999 Bedford St, Stamford, CT 06905
Employees
133

Quick answers

Patriot Bank, National Association: common questions

Is Patriot Bank, National Association FDIC insured?

Yes. Patriot Bank, National Association is an FDIC-insured institution (FDIC certificate #33928). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Patriot Bank, National Association's TellerScore?

36 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Patriot Bank, National Association ever failed?

There is no failure record for FDIC certificate #33928 in the FDIC failed bank list.

How many branches does Patriot Bank, National Association have?

8 offices as of the latest FDIC data, in 2 states.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
Gha Federal Credit UnionCredit union Greenwich, CT91 out of 100, Very strong$29.7M17.5%0.56%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT89 out of 100, Very strong$32.6M14.5%0.87%vs
Latvian Federal Credit UnionCredit union Melville, NY88 out of 100, Very strong$1.8M25.3%0.00%vs