Patriot National Bancorp Inc.
Patriot National Bancorp Inc. is classed by the SEC under National Commercial Banks (industry code 6021), based in Stamford, CT. Its latest filed balance sheet (2025-12-31) shows total assets of $1.2 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6021, National Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 1.1 out of ten, 8 of 9 metrics filed and 1 estimated: past 0.3 out of ten, present 0.5 out of ten, future 3.1 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 0.4 out of ten. 5 warning events since 2017; the latest 2025-08-26. 4th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 0.5 out of ten. +7.3% a year over 10 filed years; profitable in 5 of 10. 5th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 0.1 out of ten. CrossAssetData estimate 0.1/10, confidence 35 of 100 (one part). 1st percentile among 83 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
- Financial health (present): 0.6 out of ten. ROE -13%: lost 13¢ per shareholder dollar. Leverage 91%: owes 91¢ per asset dollar. 6th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 0.3 out of ten. bottom 3% of 79 in its family; net margin -26.6%. 3rd percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 0.4 out of ten. bottom 4% of 74 in its family for leadership; chief executive since 2025. 4th percentile among 74 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 5.1 out of ten. top 49% of 71 in its family for room to expand. 51st percentile among 71 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 0.7 out of ten. bottom 7% of 79 in its family for growth drivers. 7th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 3.5 out of ten. bottom 35% of 76 in its family for expectations against reality. 35th percentile among 76 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-31 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-14 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2025-02-21 for the period ended 2025-02-14 (on EDGAR). Newest filing: Form 4, 2026-10-02. Filings on record since 2000. Read from EDGAR 2026-10-12.
Who runs it
Sugarman, Steven (President and CEO); Salas, Carlos P (EVP & Chief Financial Officer); Simmons, William Paul (EVP & Chief Credit Officer); Miranda, Angie (EVP & Chief Risk Officer); De, Tomasi Mario (director); Constantino, Edward N. (director); Magzanyan, Anahit (director); Roth, Jonathan Paul (director); Seabold, Jeffrey T (director); Liu, Ida Haung (director). 10 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-02.
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