Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 14.7 percent of nonperforming loans to core capital combined with 42.5 percent from a year earlier contributes to the Fair asset quality (3.5). Fair liquidity 4.6, driven by a liquidity ratio of 40.1 percent and a “hot money” ratio of 20.1 percent.
Asset Mix:
Comm re (27%), securities (21%), cash (17%), comm loans (15%), home mtgs (9%), home eq lns (1%), consumer loans (1%), other (10%)
States with Branches:
CT, NY
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Patriot National Bancorp, Inc.
Investment Rating
--
Address
900 Bedford Street
Stamford, CT 06901
Stamford, CT 06901
Phone Number
(203) 251-7200
Year Founded
1994
FDIC Number
Website
Largest Affiliates
No affiliate information available.