Total Assets
$1.1B
Total balance-sheet footings
FDIC Cert #33928 · Stamford, Connecticut · Est. 1994
Patriot Bank, National Association - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $1.1B
- Total assets
- C
- Health grade · Fair
- -0.26%
- Return on assets
- 18.7%
- Tier 1 capital
Data updated July 2026
The verdict
Patriot Bank, National Association earns a PlainBankData health grade of C (50/100), with well-capitalized at 18.66% Tier 1, -0.26% ROA, 103% efficiency ratio.
- #971
- largest of 4,313 FDIC banks by assets
- 78th
- percentile by asset size, nationally
- 18.66%
- Tier 1 ratio - above the 10% well-capitalized line
- 4th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Patriot Bank, National Association's 50/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Patriot Bank, National Association's composite health score
Tier 1 Capital Ratio (18.66%) 40/40
Return on Assets (ROA) (-0.26%) 0/25
Texas Ratio (22.42%) 10/20
Efficiency Ratio (103.00%) 0/15
50 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$978M
Customer-funded liabilities
Net Loans
$610M
Outstanding loan book
Net Income
$-2,559K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Patriot Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Patriot Bank, National Association's score of 50/100 falls in the highlighted band.
Patriot Bank, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Patriot Bank, National Association's $1.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.66% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.66%
Texas Ratio
22.42%
Equity Capital
$102M
Profitability metrics
Return on Assets (ROA)
4th percentile nationally
-0.26%
Return on Equity (ROE)
-3.24%
Efficiency Ratio
103.00%
What the numbers say about Patriot Bank, National Association
Patriot Bank, National Association is an FDIC-insured institution (Certificate #33928) headquartered in Stamford, Connecticut, established in 1994. It holds $1.1B in total assets - 971st of 4,313 FDIC-insured banks, $978M in customer deposits, and $610M in net loans. On safety, its Tier 1 capital ratio of 18.66% is above the 10% well-capitalized threshold, and its Texas Ratio of 22.42% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (50/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Connecticut, Patriot Bank, National Association ranks 15th of 28 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$48M
Interest Income
$11M
Non-Interest Income
$33M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Patriot Bank, National Association reports a Texas Ratio of 22.42% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
22.42% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Patriot Bank, National Association
Patriot Bank, National Association's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-2,559K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Patriot Bank, National Association up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Connecticut by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Patriot Bank, National Association (FDIC Cert #33928) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Connecticut
All Connecticut banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Webster Bank, National AssociationStamford | $84.0B | A | 1.26% |
| Liberty BankMiddletown | $9.0B | B | 0.99% |
| Bankwell BankNew Canaan | $3.4B | A | 1.27% |
| Union Savings BankDanbury | $3.3B | B | 0.61% |
| Ion BankNaugatuck | $2.7B | B | 0.79% |
| First County BankStamford | $2.3B | C | 0.22% |
| Fairfield County BankRidgefield | $1.9B | C | 0.46% |
| Thomaston Savings BankThomaston | $1.9B | B | 0.78% |
Frequently asked questions
What is Patriot Bank, National Association's health grade?▼
Patriot Bank, National Association receives a health grade of C (50/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Patriot Bank, National Association?▼
Patriot Bank, National Association holds $1.1B in total assets and $978M in deposits, ranking 971st of 4,313 FDIC-insured banks by asset size. It is headquartered in Stamford, Connecticut.
Is my money safe at Patriot Bank, National Association?▼
Yes, deposits at Patriot Bank, National Association (Certificate #33928) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Patriot Bank, National Association's Tier 1 Capital Ratio?▼
Patriot Bank, National Association has a Tier 1 Capital Ratio of 18.66%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Patriot Bank, National Association?▼
Patriot Bank, National Association has a Texas Ratio of 22.42%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Patriot Bank, National Association?▼
Patriot Bank, National Association has an Efficiency Ratio of 103.00%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Patriot Bank, National Association's profile as a depositor or analyst.
- Patriot Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Patriot Bank, National Association against other Connecticut banks before moving funds. Connecticut banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.