Patriot Bank, N.A. (Stamford, CT)
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Data as of · sourced from FFIEC call reports. How we update
Patriot Bank, N.A. is an FDIC-insured commercial bank headquartered in Stamford, CT, established in 1994 (FDIC certificate 33928), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.32B, up 42.2% from Q2 2025, the 12th largest of 27 banks headquartered in Connecticut. Its CET1 capital ratio was 13.22% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 33928
- Headquarters
- Stamford, CT
- Established
- 1994
- Total assets, Q2 2026
- $1.32B
- Assets vs Q2 2025
- +42.2%
- CET1 ratio, Q2 2026
- 13.22%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 021112935
- Latest call report
- Q2 2026, FFIEC 051 · Patriot Bank, N.A. call report
- Holding company
- PATRIOT NATIONAL BANCORP, INC.
- Asset rank in state
- 12th of 27 in Connecticut
Patriot Bank, N.A. spends more to run itself than most banks of its size. Its balance sheet stood at $1.3 billion at June 30, 2026, up 42.2% from a year earlier; it is based in Stamford, Connecticut. It spends about 85 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also carries problem assets equal to 21.9% of the capital and reserves that would absorb them, 6.1 times the median of 3.6% for banks its size.
Its $278 million non-owner-occupied commercial real estate book is improving, with 1.17% past due or on nonaccrual, down from 7.35% a year earlier. Its $97 million multifamily book is now fully current, after 3.54% of it was past due or on nonaccrual a year earlier. Funding is the softer spot: it pays an average of 2.72% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Patriot Bank, N.A. reported a CET1 capital ratio of 13.22%, a return on assets of 0.86%, a nonperforming-loan ratio of 2.75% and a Texas ratio of 21.95%. The figures come from its call report filed with the FFIEC.
Patriot Bank, N.A. ranks as the 12th largest of the 27 banks based in Connecticut, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 12.1% to $1.32B, loans rose 16.7% and deposits rose 13.9%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 30.6% of total loans, ahead of commercial and industrial loans at 23.4%. The FDIC Summary of Deposits lists 8 offices for it, in 8 cities across 2 states; its Greenwich office books 78% of its branch deposits. By the capital ratios in its Q2 2026 call report, Patriot Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 999 Bedford St, Stamford, CT 06905
- County
- Western Connecticut
- Metro Area
- Bridgeport-Stamford-Danbury, CT
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 31, 1994
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 133
- Domestic deposits
- $1.21B
- Allowance for credit losses
- $8.5M
- Net charge-offs (YTD)
- -$330K
- Average total assets
- $1.27B
- Average total loans
- $837.3M
- Average interest-bearing deposits
- $914.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 31, 1994
- FDIC Cert
- 33928
- Fed RSSD
- 2236821
- SEC CIK
- 1098146 → filed by PATRIOT NATIONAL BANCORP, INC.
- Website
- www.bankpatriot.com →
- Parent Holding Company
- PATRIOT NATIONAL BANCORP, INC. (RSSD 2840479) · PNBK
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Steven Sugarman | CEO | President and CEO |
| Michael A. Carrazza | CHR | Chairman of the Board |
| Carlos P Salas | CFO | EVP & Chief Financial Officer |
| Simmons William Paul | CCO | EVP & Chief Credit Officer |
| Angie Miranda | CRO | EVP & Chief Risk Officer |
| Grunblatt Steven Brian | CIO | EVP & Chief Information Office |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Patriot Bank, N.A.'s total assets ranged from $930.2M (Q2 2025) to $1.32B (Q2 2026), and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.32B total assets against $930.2M; $1.22B total liabilities against $848.5M.
$901.1M net loans and leases against $595.1M; $1.21B total deposits against $842.5M.
$240.3M securities against $80.6M; $116.9M cash and balances due against $187.6M.
$16.7M total interest income against $11.5M; $7.1M total interest expense against $6.8M.
$9.6M net interest income against $4.7M.
$2.8M total noninterest income against $2.0M; $10.6M total noninterest expense against $7.7M.
$589K provision for credit losses against $1.5M.
$2.7M net income against -$2.5M.
0.86% return on assets against -1.02%; 3.16% net interest margin against 2.07%.
13.22% CET1 capital ratio against 15.61%; 9.60% tier 1 leverage ratio against 10.10%.
Inside the full Patriot Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Patriot Bank, N.A. rankings
Its closest position to the top of a national ranking is 134 of 3,640, for Texas Ratio; its furthest is 3,382 of 3,606, for efficiency ratio.
Metric pages for Patriot Bank, N.A.: Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -10.75% (Q3 2024) to 0.86% (Q2 2026) and its net interest margin ran from 1.90% (Q1 2025) to 3.16% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.22% | 0.86% | 2.75% | 21.95% | 3.16% |
| Q1 2026 | 15.21% | 0.48% | 2.94% | 21.04% | 2.54% |
| Q4 2025 | 18.66% | 0.50% | 3.95% | 16.44% | 2.61% |
| Q3 2025 | 18.54% | 0.19% | 4.28% | 19.58% | 2.45% |
| Q2 2025 | 15.61% | -1.02% | 4.02% | 24.17% | 2.07% |
| Q1 2025 | 13.62% | -0.71% | 4.27% | 29.83% | 1.90% |
| Q4 2024 | 7.58% | -3.78% | 3.58% | 48.74% | 2.32% |
| Q3 2024 | 8.19% | -10.75% | 5.27% | 60.38% | 2.46% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Greenwich Branch | Greenwich , CT | 06830 | $944.6M |
| Norwalk Branch | Norwalk , CT | 06850 | $72.5M |
| Patriot Bank, N.A. (main office) | Stamford , CT | 06905 | $51.9M |
| Milford Branch | Milford , CT | 06460 | $47.4M |
| Black Rock Branch | Fairfield , CT | 06825 | $36.1M |
| Scarsdale Branch | Scarsdale , NY | 10583 | $24.4M |
| Darien Branch | Darien , CT | 06820 | $17.1M |
| Westport Branch | Westport , CT | 06880 | $15.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 11, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 11, 2018 | Structure Change | Acquired Prime Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC); 2 against individuals associated with it
- January 14, 2025, OCC: Formal Agreement: Patriot Bank, National Association
- November 7, 2018, OCC: Formal Agreement: Patriot Bank, National Association
- February 9, 2009, OCC: Formal Agreement: Patriot National Bank
- Period: Most recent institution action January 14, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in CT, rank 23 of 46 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 63 applications, 21 loans originated, $12.4M originated, across 4 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $200K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Patriot Bank, N.A.
What are Patriot Bank, N.A.'s total assets?
As of the Q2 2026 filing, Patriot Bank, N.A. reported total assets of $1.32 billion in its FFIEC call report.
Where is Patriot Bank, N.A. headquartered?
It is headquartered in Stamford, CT, United States.
When was Patriot Bank, N.A. founded?
It was established in 1994, per the FDIC institution directory.
Is Patriot Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33928). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Patriot Bank, N.A.?
Patriot Bank, N.A.'s primary federal regulator is the OCC.
What is Patriot Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.22% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Patriot Bank, N.A. operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Patriot Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 21.95% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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