PATRIOT BANK, NATIONAL ASSOCIATION

STAMFORD, CT · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1994FDIC #33,928

Satisfactory Same

Current rating · Exam: June 2025

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.52%

Institution Profile

FDIC BankFind

Website

www.bankpatriot.com

Address

999 Bedford St, STAMFORD, CT

County

Western Connecticut County

Established

August 31, 1994

Total Assets

$1.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 2, 2025

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Jun 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.1B

Net Loans

$771M

Net Income

$1M

ROA

0.52%

Below avg for Community banks. Peer avg: 0.90%

ROE

5.80%

Risk-Based Capital

16.25%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA0.52%Peer avg: 0.90%▼ Below avg

Risk-Based Capital16.25%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate8.60%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$843M

1-Year Change

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	791	76.86%	8.60%
2022	977	78.61%	5.02%
2021	1,761	85.52%	1.82%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jun 2025	Satisfactory	Intermediate Small Bank
Oct 2021	Satisfactory	Intermediate Small Bank
Sep 2018	Satisfactory	Intermediate Small Bank

6 previous ratings locked — back to 1996

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/ce85ee92-9b5a-4027-9bf8-43e4a758e0e2"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: