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Patriot Bank National Association

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
51
/ 100
WatchAs of 2024-Q4QoQ -11

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

Quarterly Headline

2024-Q4

Bank #2236821 2024-Q4 Vital Signs Score: 51/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 8.23% of loans.
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 27.5% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 28.2% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2024:
↓ -11 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    ↓ -38
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -19

The five pillars

Liquidity

StrongQoQ +8
86
Sub-score

Liquidity is strong: brokered 18.3%, loans/deposits 73.9%, cash 14.6% of assets.

Cash / Assets
14.58%
Loans / Deposits
73.91%
Brokered %
18.26%
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

RiskQoQ -38
15
Sub-score

Capital position is weak: Tier 1 RBC 7.58%, CET1 7.58%, leverage 5.83%.

Tier 1 RBC
7.58%
CET1
7.58%
Leverage
5.83%

Watch Items

  • infoTier 1 RBC below 8% — Tier 1 RBC 7.58% (PCA threshold 8%).

Asset Quality

WatchQoQ -1
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.61%, Texas Ratio 41.2%, NCO YTD 8.23%.

Adjusted NPL
3.61%
Govt-guarantees stripped
Texas Ratio
41.2%
NCO YTD
8.23%
30-89 PD
0.50%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.61% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 8.23% of loans.

Reserves

RiskQoQ -19
17
Sub-score

Reserves are weak: ALLL 1.01% of loans, coverage 28.2%, true coverage 27.5%.

ALLL / Loans
1.01%
Coverage
28.2%
True Loss Coverage
27.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 28.2% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 27.5% (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