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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
62
/ 100
StableAs of 2024-Q3QoQ +2

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

Quarterly Headline

2024-Q3

Bank #2236821 2024-Q3 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.37% (govt-guarantees stripped).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 36.4% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.0% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +11
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -5
78
Sub-score

Liquidity is stable: brokered 8.7%, loans/deposits 91.1%, cash 7.5% of assets.

Cash / Assets
7.47%
Loans / Deposits
91.09%
Brokered %
8.70%
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 0
53
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.16%, CET1 10.16%, leverage 8.60%.

Tier 1 RBC
10.16%
CET1
10.16%
Leverage
8.60%
No watch items at this period.

Asset Quality

WatchQoQ +11
51
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.37%, Texas Ratio 40.7%, NCO YTD 0.56%.

Adjusted NPL
5.37%
Govt-guarantees stripped
Texas Ratio
40.7%
NCO YTD
0.56%
30-89 PD
0.62%
Band 0.3% / 3.0%
90+ PD
0.53%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.37% (govt-guarantees stripped).

Reserves

RiskQoQ -1
36
Sub-score

Reserves are weak: ALLL 1.95% of loans, coverage 37.0%, true coverage 36.4%.

ALLL / Loans
1.95%
Coverage
37.0%
True Loss Coverage
36.4%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.0% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 36.4% (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