Patriot Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Patriot Bank, N.A. of Stamford, CT against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.86% | 1.46% | -0.60% | 21st bottom |
| ROAE | 10.53% | 12.72% | -2.19% | 36th below |
| Net Interest Margin | 3.16% | 3.85% | -0.69% | 20th bottom |
| Efficiency Ratio | 85.48% | 57.39% | +28.09% | 4th bottom |
| PPNR / Avg Assets | 0.56% | 1.88% | -1.32% | 5th bottom |
| Yield on Earning Assets | 5.51% | 5.72% | -0.21% | 49th below |
| Cost of Funds | 2.72% | 2.02% | +0.70% | 14th bottom |
| Net Interest Spread | 2.70% | 3.18% | -0.48% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.82% | 1.00% | +1.82% | 6th bottom |
| NPA / Total Assets | 1.94% | 0.76% | +1.18% | 7th bottom |
| NCO / Avg Loans | -0.06% | 0.43% | -0.49% | 98th top |
| ACL / Total Loans | 0.93% | 1.31% | -0.38% | 22nd bottom |
| ACL / NPLs (Coverage) | 33.00% | 543.62% | -510.62% | 3rd bottom |
| Texas Ratio | 22.50% | 7.38% | +15.12% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.22% | 17.34% | -4.12% | 45th below |
| Tier 1 Ratio | 13.22% | 17.37% | -4.15% | 45th below |
| Total Capital Ratio | 14.15% | 18.42% | -4.27% | 42nd below |
| Leverage Ratio | 9.60% | 11.44% | -1.84% | 25th below |
| Equity / Assets | 7.99% | 11.34% | -3.35% | 7th bottom |
| TCE / Tangible Assets | 7.98% | 10.50% | -2.52% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.21% | 86.96% | -11.75% | 78th top |
| Core Deposit Ratio | 80.51% | 85.56% | -5.05% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 42.22% | 9.66% | +32.56% | 97th top |
| Loan Growth (Y/Y) | 50.89% | 8.03% | +42.86% | 98th top |
| Deposit Growth (Y/Y) | 43.55% | 7.85% | +35.70% | 97th top |
See Patriot Bank, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Patriot Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Patriot Bank, N.A. profile, how to read a UBPR, or how this data updates.