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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 — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q1QoQ 0

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

Quarterly Headline

2024-Q1

Bank #2236821 2024-Q1 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.41% (govt-guarantees stripped).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.32% of loans.

What changed this quarter

Compared to Q4 2023:
↓ 0 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -11

The five pillars

Liquidity

StableQoQ +4
74
Sub-score

Liquidity is stable: brokered 7.8%, loans/deposits 94.0%, cash 6.0% of assets.

Cash / Assets
5.96%
Loans / Deposits
93.97%
Brokered %
7.83%
No watch items at this period.

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 -2
63
Sub-score

Capital position is stable: Tier 1 RBC 10.40%, CET1 10.40%, leverage 8.57%.

Tier 1 RBC
10.40%
CET1
10.40%
Leverage
8.57%
No watch items at this period.

Asset Quality

StableQoQ +3
68
Sub-score

Asset quality is stable: Adjusted NPL 2.41%, Texas Ratio 18.7%, NCO YTD 1.32%.

Adjusted NPL
2.41%
Govt-guarantees stripped
Texas Ratio
18.7%
NCO YTD
1.32%
30-89 PD
0.90%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.41% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.32% of loans.

Reserves

WatchQoQ -11
56
Sub-score

Reserves are deteriorating: ALLL 1.67% of loans, coverage 70.4%, true coverage 68.2%.

ALLL / Loans
1.67%
Coverage
70.4%
True Loss Coverage
68.2%
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