Patriot Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Other borrowed money dropped 100.0% in Q2 2026, from $10.0M to $0. It was the largest change from Q1 2026 among the key lines here. Within Connecticut, Patriot Bank, N.A. is 24th of 27 on loan-to-deposit ratio, 75.21% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Patriot Bank, N.A. sits 12.99 points lower, at 75.21% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $116.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $357.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.21% |
| Net loans and leases to deposits | 74.51% |
| Loans and leases to core deposits | 79.65% |
| Core deposits to total deposits | 80.51% |
| Brokered deposits to total deposits | 13.91% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 108.53% | 89.26% | $0 | $215.0M |
| Q4 2023 | 103.20% | 87.51% | $0 | $171.0M |
| Q1 2024 | 95.56% | 83.60% | $0 | $131.0M |
| Q2 2024 | 98.32% | 89.56% | $0 | $156.9M |
| Q3 2024 | 92.90% | 83.45% | $0 | $93.8M |
| Q4 2024 | 74.67% | 75.00% | $0 | $3.0M |
| Q1 2025 | 79.70% | 82.22% | $0 | $0 |
| Q2 2025 | 71.55% | 78.33% | $0 | $0 |
| Q3 2025 | 71.63% | 72.44% | $0 | $0 |
| Q4 2025 | 63.07% | 76.80% | $0 | $0 |
| Q1 2026 | 73.40% | 76.74% | $0 | $10.0M |
| Q2 2026 | 75.21% | 80.51% | $0 | $0 |
Patriot Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Patriot Bank, N.A., freeSource: Call Report Schedules RC and RC-M, 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)