PATRIOT BANK, NATIONAL ASSOCIATION

STAMFORD, CT | Large | Est. Aug. 31, 1994, midnight | FDIC #33928 | RSSD #2236821 | OCC
Latest Report: 2025-12-31

PATRIOT BANK, NATIONAL ASSOCIATION is aln large FDIC-insured commercial bank headquartered in STAMFORD, CT, established in Aug. 31, 1994, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $978M. Profitability stands at 0.50% ROA and 5.07% ROE, with a net interest margin of 2.67%. The bank's CET1 capital ratio is 18.66%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.95% and a Texas Ratio of 22.42%. FDIC Certificate #33928.

Assets

$1.1B

Deposits

$978M

Loans

$617M

Equity

$102M

Profitability

Return on Assets (ROA) 0.50%
Return on Equity (ROE) 5.07%
Net Interest Margin (NIM) 2.67%
Yield on Assets 5.22%
Cost of Funds 2.62%

Asset Quality

NPL Ratio 3.95%
Net Charge-Off Ratio 0.34%
Texas Ratio 22.42%
NPA Ratio 2.24%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 18.66%
Tier 1 Capital 18.66%
Total Capital Ratio 19.25%
Leverage Ratio 11.42%
Loan-to-Deposit 63.07%

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