Patriot National Bancorp, Inc. (PNBK)

Patriot National Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	38.63	47.32	54.31	40.82	30.12	35.84
Interest Income on Investments	9.29	5.04	4.65	3.19	2.24	2.07
Total Interest Income	47.92	52.36	58.96	44.01	32.35	37.9
Interest Paid on Deposits	27.57	26.05	21.67	5.3	2.24	9.15
Interest Paid on Borrowings	2.54	6.24	8.79	5.45	4.85	4.6
Total Interest Expense	30.11	32.29	30.46	10.75	7.09	13.75
Net Interest Income	17.8	20.08	28.5	33.26	25.26	24.15
Net Interest Income Growth (YoY)	-17.86%	-29.55%	-14.31%	31.66%	4.59%	-5.01%
Gain (Loss) on Sale of Investments	-0.31	-0.33	0.02	-	0.08	-
Other Non-Interest Income	9.76	7.72	5.53	1.89	2.21	1.09
Total Non-Interest Income	8.9	8.36	6.01	3.61	4.42	1.98
Non-Interest Income Growth (YoY)	-7.24%	39.25%	66.57%	-18.49%	123.50%	-20.30%
Revenues Before Loan Losses	26.71	28.44	34.51	36.86	29.68	26.13
Provision for Loan Losses	9.51	12.46	7.43	1.89	-0.5	2.17
Revenue	17.2	15.98	27.08	34.98	30.18	23.96
Revenue Growth (YoY)	-37.00%	-40.97%	-22.59%	15.89%	25.97%	4.46%
Salaries and Employee Benefits	16.74	17.76	17.54	15.47	11	14.24
Occupancy Expenses	2.5	2.69	2.82	2.83	2.85	2.93
Federal Deposit Insurance	1.95	1.36	1.18	0.82	0.91	1.48
Selling, General & Administrative	10.99	7	6.48	5.46	8	6.81
Other Non-Interest Expense	5.02	3.21	3.54	2.59	2.36	2.37
Total Non-Interest Expense	37.24	32.08	31.6	27.22	25.17	27.91
EBT Excluding Unusual Items	-20.04	-16.1	-4.53	7.76	5.01	-3.95
Asset Writedown	-	-	-1.11	-	-	-0.21
Pretax Income	-20.04	-16.1	-5.63	7.76	5.01	-4.16
Income Tax Expense	-0.06	23.79	-1.45	1.6	-0.08	-0.34
Net Income	-19.98	-39.88	-4.18	6.16	5.09	-3.82
Net Income to Common	-19.98	-39.88	-4.18	6.16	5.09	-3.82
Net Income Growth	-	-	-	20.95%	-	-
Basic Shares Outstanding	49	4	4	4	4	4
Diluted Shares Outstanding	49	4	4	4	4	4
Shares Change (YoY)	1132.02%	0.27%	0.06%	0.26%	0.45%	0.33%
EPS (Basic)	-0.41	-10.03	-1.05	1.56	1.29	-0.97
EPS (Diluted)	-0.41	-10.03	-1.05	1.55	1.29	-0.97
EPS Growth	-	-	-	20.16%	-	-
Effective Tax Rate	-	-	-	20.57%	-	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q