Company: PNBK
Filing Date: 2025-05-14
Form Type: 10-Q
Source: 0001628280-25-025485
Chunk: 142

Company: PATRIOT NATIONAL BANCORP INC
Filing Date: 2025-05-14
Form: 10-Q
Item: Part I, Item 8
Chunk 142
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 secured by 1-4 family residential real estate.

17

Table of ContentsPATRIOT NATIONAL BANCORP, INC. AND SUBSIDIARIES Notes to Consolidated Financial Statements (Unaudited)

Loan Portfolio Vintage AnalysisThe following tables summarize loan amortized cost by vintage, credit quality indicator, class of loans and charge-offs based on year of origination as of March 31, 2025:Term of Loans by Origination As of March 31, 2025:20252024202320222021PriorRevolvingTotal Loans Receivable Gross Loan portfolio segment:Commercial Real Estate:Pass$— $— $102,635 $118,403 $81,028 $66,602 $— $368,668 Special mention— — 3,679 1,999 — 1,236 — 6,914 Substandard— — 1,094 8,146 11,081 5,500 — 25,821 Total — — 107,408 128,548 92,109 73,338 — 401,403 Current period gross charge-offs— — — — — 635 — 635 Residential Real Estate:Pass— 1,494 — 1,210 2,790 81,978 869 88,341 Special mention— — — — — 2,412 — 2,412 Substandard— — — — — — — — Total — 1,494 — 1,210 2,790 84,390 869 90,753 Current period gross charge-offs— — — — — — — — Commercial and Industrial:Pass— 815 2,402 12,815 19,480 6,911 64,708 107,131 Special mention— — 283 18 38 528 4,506 5,373 Substandard— — 223 367 842 6,148 2,291 9,871 Total — 815 2,908 13,200 20,360 13,587 71,505 122,375 Current period gross charge-offs— — — — — 119 — 119 Consumer