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Patriot Bank National Association

IDRSSD: 2236821
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2023-Q4QoQ +2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #2236821 2023-Q4 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Stable
Reserves:Stable

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.51% of loans.
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.3% (threshold 100%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.16% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↑ +2 ptscomposite
  • Liquidity
    ↓ -17
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↑ +33
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -17
70
Sub-score

Liquidity is stable: brokered 4.8%, loans/deposits 101.3%, cash 4.8% of assets.

Cash / Assets
4.80%
Loans / Deposits
101.31%
Brokered %
4.81%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ -8
64
Sub-score

Capital position is stable: Tier 1 RBC 10.50%, CET1 10.50%, leverage 8.74%.

Tier 1 RBC
10.50%
CET1
10.50%
Leverage
8.74%
No watch items at this period.

Asset Quality

StableQoQ +33
64
Sub-score

Asset quality is stable: Adjusted NPL 2.16%, Texas Ratio 16.8%, NCO YTD 4.51%.

Adjusted NPL
2.16%
Govt-guarantees stripped
Texas Ratio
16.8%
NCO YTD
4.51%
30-89 PD
0.89%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.16% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 4.51% of loans.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 1.83% of loans, coverage 86.2%, true coverage 83.3%.

ALLL / Loans
1.83%
Coverage
86.2%
True Loss Coverage
83.3%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 12:12:31 UTC