Patriot Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 11.41 percentage points higher than in Q1 2026, at 288.81%. Patriot Bank, N.A. ranks 24th of 27 Connecticut banks on loan-to-deposit ratio, in the lower half at 75.21% (Q2 2026). 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $909.6M |
| Net loans and leases | $901.1M |
| Loans held for sale | $23.7M |
| Loans to total assets | 68.76% |
| Loan-to-deposit ratio | 75.21% |
| Net loans to equity capital | 8.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.86% |
| Multifamily (5+ residential) | 10.70% |
| Commercial and industrial | 23.39% |
| Consumer | 0.91% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 288.81% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.01% |
| Interest income on loans | $12.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $911.8M | $840.1M | 45.41% | 14.92% | 8.06% |
| Q4 2023 | $869.6M | $842.6M | 44.60% | 13.77% | 8.42% |
| Q1 2024 | $824.4M | $862.7M | 45.57% | 13.65% | 8.03% |
| Q2 2024 | $790.4M | $803.9M | 46.87% | 14.43% | 6.77% |
| Q3 2024 | $769.3M | $828.1M | 47.89% | 14.36% | 5.02% |
| Q4 2024 | $723.2M | $968.5M | 47.80% | 15.15% | 4.39% |
| Q1 2025 | $695.0M | $872.0M | 48.22% | 18.90% | 3.86% |
| Q2 2025 | $602.8M | $842.5M | 52.56% | 20.69% | 3.82% |
| Q3 2025 | $607.1M | $847.5M | 50.63% | 21.68% | 1.83% |
| Q4 2025 | $617.1M | $978.5M | 47.51% | 25.73% | 1.68% |
| Q1 2026 | $779.1M | $1.06B | 41.83% | 20.20% | 1.15% |
| Q2 2026 | $909.6M | $1.21B | 42.86% | 23.39% | 0.91% |
Patriot Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Patriot Bank, N.A., freeSource: Call Report Schedule RC-C, 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)