10-Q quarterly report · filed Nov 14, 2025

PATRIOT NATIONAL BANCORP INC (PNBK) Q3 2025 10-Q Quarterly Report

Short answer

PATRIOT NATIONAL BANCORP INC (PNBK) filed its Q3 2025 10-Q quarterly report on Nov 14, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $12M (down 9.9% year over year) with net income of −$3M.

Q3 2025 key financials · XBRL

Revenue
$12M
−9.9% YoY · +0.4% QoQ
Net income
−$3M
+90.1% YoY · +46.9% QoQ
EPS (diluted)
$0.01
+100.1% YoY · −75.0% QoQ

Source: XBRL data from the PATRIOT NATIONAL BANCORP INC (PNBK) Q3 2025 10-Q on SEC EDGAR. USD.

PATRIOT NATIONAL BANCORP INC Q3 2025 10-Q analysis

AI summary of MD&A and risk factor updates

Management Discussion & Analysis

  • Net loss $2.7M vs $27.0M YoY; revenue not disclosed
  • Net charge-offs $205,000 vs $1.1M; charge-off ratio 0.14% vs 0.56%
  • Commercial real estate largest loan segment, $360.8M or 61.29%; construction smallest at $0
  • Cash, cash equivalents and restricted cash $201.5M vs $162.6M at December 31, 2024
  • $57.8M private placement and $25.6M expected offering proceeds; OCC agreement compliance remains key headwind

Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K

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