Patriot Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Risk-weighted assets: 21.4% higher than in Q1 2026, at $920.0M. Within Connecticut, Patriot Bank, N.A. is 11th of 17 on CET1 ratio, 13.22% as of Q2 2026, below the middle of the field. At 13.22%, Patriot Bank, N.A.'s CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.22% |
| Tier 1 risk-based capital ratio | 13.22% |
| Total risk-based capital ratio | 14.15% |
| Tier 1 leverage ratio | 9.60% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $121.6M |
| Tier 1 capital | $121.6M |
| Total risk-based capital | $130.2M |
| Total equity capital | $105.7M |
| Risk-weighted assets | $920.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.99% |
| Tangible equity to tangible assets | 7.98% |
| Equity capital to average assets | 8.34% |
| Internal capital growth rate | 10.77% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $9.2M |
| Common stock surplus | $176.8M |
| Retained earnings | -$63.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 8.34% | — |
| Q4 2023 | 10.50% | 10.50% | 11.22% | 8.70% | $897.3M |
| Q1 2024 | 10.40% | 10.40% | 11.26% | 8.55% | $874.2M |
| Q2 2024 | 10.20% | 10.20% | 11.21% | 8.58% | $857.8M |
| Q3 2024 | 8.19% | 8.19% | 9.29% | 6.53% | $788.2M |
| Q4 2024 | 7.58% | 7.58% | 7.71% | 5.79% | $733.1M |
| Q1 2025 | 13.62% | 13.62% | 14.13% | 9.23% | $700.3M |
| Q2 2025 | 15.61% | 15.61% | 16.34% | 10.10% | $627.3M |
| Q3 2025 | 18.54% | 18.54% | 19.19% | 11.95% | $611.5M |
| Q4 2025 | 18.66% | 18.66% | 19.25% | 11.42% | $625.2M |
| Q1 2026 | 15.21% | 15.21% | 16.25% | 9.45% | $757.8M |
| Q2 2026 | 13.22% | 13.22% | 14.15% | 9.60% | $920.0M |
Patriot Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Patriot Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Patriot Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33928) · FFIEC NIC profile (RSSD 2236821)