Patriot Bank, National Association: how it compares with its peers
Against 14 CT banks with half to twice its assets, Patriot Bank, National Association's strongest measure in Q2 2026 is assets per employee ($9.9M vs. a $8.6M peer median). Its weakest relative measure is efficiency ratio (86.43% vs. 69.81%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.70% | 0.78% | Middle third Ahead of 43% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.01% | 3.40% | Bottom third Ahead of 14% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 86.43% | 69.81% | Bottom third Ahead of 7% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.9M | $8.6M | Top third Ahead of 71% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.51% | 98.84% | Context |
What it means for lending operations
Its efficiency ratio of 86.43% is above the 69.81% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Northwest Community Bank Winsted, CT · $1.26B
- Dime Bank Norwich, CT · $1.21B
- Ascend Bank Guilford, CT · $1.49B
- The Torrington Savings Bank Torrington, CT · $1.00B
- DR Bank Darien, CT · $913M
- Ives Bank Danbury, CT · $1.73B
Questions about Patriot Bank, National Association
How big is Patriot Bank, National Association?
Patriot Bank, National Association, established in 1994, is headquartered in Stamford, CT. It reported $1.32B in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Patriot Bank, National Association's return on assets?
0.70% annualized in Q2 2026, against a 0.78% median for 14 CT banks with half to twice its assets, ahead of 43% of them.
What is Patriot Bank, National Association's efficiency ratio?
86.43% in Q2 2026: it spent about 86 cents in noninterest expense for each dollar of revenue. The peer median is 69.81%, and lower is better.
Is Patriot Bank, National Association growing its loans?
Net loans grew 51.4% over the year to Q2 2026, while deposits grew 43.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CT banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Connecticut bank ranked.