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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2026-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

2026-Q1

Bank #2236821 2026-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 33.1% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.0% (regulatory soft-warning level 50%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.96% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +9
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -7
83
Sub-score

Liquidity is strong: brokered 16.9%, loans/deposits 72.7%, cash 7.9% of assets.

Cash / Assets
7.91%
Loans / Deposits
72.67%
Brokered %
16.86%
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

StrongQoQ -2
98
Sub-score

Capital position is strong: Tier 1 RBC 15.21%, CET1 15.21%, leverage 9.45%.

Tier 1 RBC
15.21%
CET1
15.21%
Leverage
9.45%
No watch items at this period.

Asset Quality

StableQoQ +9
78
Sub-score

Asset quality is stable: Adjusted NPL 2.96%, Texas Ratio 18.6%, NCO YTD -0.12%.

Adjusted NPL
2.96%
Govt-guarantees stripped
Texas Ratio
18.6%
NCO YTD
-0.12%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.96% (govt-guarantees stripped).

Reserves

RiskQoQ -2
18
Sub-score

Reserves are weak: ALLL 1.00% of loans, coverage 34.0%, true coverage 33.1%.

ALLL / Loans
1.00%
Coverage
34.0%
True Loss Coverage
33.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.0% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 33.1% (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