Patriot National Bancorp Inc. PNBK

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
16/100
Weak

Ranked against 399 peers in Banks - Regional

About Patriot National Bancorp Inc.

Patriot National Bancorp, Inc. operates as the holding company for Patriot Bank, N.A. that provides community banking services to individuals, small and medium-sized businesses, and professionals. The company accepts consumer and commercial deposit accounts, such as checking, interest-bearing negotiable order of withdrawal, money market, time certificates of deposit, savings, prepaid deposit, online national money market, individual retirement accounts, and health … Full PNBK analysis →

Key strengths

  • Strong Capital Position Capital position is strong (score 0.74), exceeding regulatory minimums.

Key risks

  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.01).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.02).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Weak
1
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where PNBK ranks in Banks - Regional

Patriot National Bancorp Inc. ranks #358 of 393 scored companies in Banks - Regional by moat score — the top 91%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
354 Hanover Bancorp, Inc. HNVR 18/100 Weak
355 Pathfinder Bancorp, Inc. PBHC 17/100 Weak
356 Territorial Bancorp Inc. TBNK 17/100 Weak
357 First Financial Northwest, Inc. FFNW 16/100 Weak
358 Patriot National Bancorp Inc. PNBK 16/100 Weak
359 Blue Foundry Bancorp BLFY 16/100 Weak
360 First Seacoast Bancorp, Inc. FSEA 16/100 Weak
361 1895 Bancorp of Wisconsin, Inc. BCOW 16/100 Weak
362 Generations Bancorp NY, Inc. GBNY 16/100 Weak

See every Banks & Lenders company ranked by moat score →

How PNBK scores on the Bank Specialized defenses

Deposit Franchise

Score 1 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 4 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 45 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 3 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 39 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 5 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding PNBK's moat

What is Patriot National Bancorp Inc.'s moat score?

Patriot National Bancorp Inc. (PNBK) scores 16 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as weak. It ranks #358 of 393 scored companies in Banks - Regional, the top 91%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Capital Strength (45/100) and its weakest is Deposit Franchise (1/100).

How does Patriot National Bancorp Inc. compare with other Banks - Regional companies?

Patriot National Bancorp Inc. ranks #358 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are First Financial Northwest, Inc. (FFNW) at 16 just above it and Blue Foundry Bancorp (BLFY) at 16 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is Patriot National Bancorp Inc. scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for Patriot National Bancorp Inc.?

The Bank Specialized template measures 6 defenses, and PNBK scores: Deposit Franchise (1), Lending Advantage (4), Capital Strength (45), Cost Discipline (3), Revenue Diversification (39), Risk Management (5). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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