Visbanking Logo
Skip to main content

Patriot Bank National Association

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
61
/ 100
StableAs of 2024-Q2QoQ -10

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

Quarterly Headline

2024-Q2

Bank #2236821 2024-Q2 Vital Signs Score: 61/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.2% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.9% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.97% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↓ -10 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↓ -9
  • Asset Quality
    ↓ -27
  • Reserves
    ↓ -19

The five pillars

Liquidity

StrongQoQ +9
83
Sub-score

Liquidity is strong: brokered 2.6%, loans/deposits 96.5%, cash 9.0% of assets.

Cash / Assets
9.01%
Loans / Deposits
96.46%
Brokered %
2.64%
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

WatchQoQ -9
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.20%, CET1 10.20%, leverage 8.63%.

Tier 1 RBC
10.20%
CET1
10.20%
Leverage
8.63%
No watch items at this period.

Asset Quality

WatchQoQ -27
40
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.97%, Texas Ratio 37.6%, NCO YTD 0.95%.

Adjusted NPL
4.97%
Govt-guarantees stripped
Texas Ratio
37.6%
NCO YTD
0.95%
30-89 PD
2.52%
Band 0.3% / 3.0%
90+ PD
0.15%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.97% (govt-guarantees stripped).

Reserves

RiskQoQ -19
37
Sub-score

Reserves are weak: ALLL 1.90% of loans, coverage 38.9%, true coverage 38.2%.

ALLL / Loans
1.90%
Coverage
38.9%
True Loss Coverage
38.2%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.2% (Adjusted NPL + Performing Mods denominator).

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