Company: PNBK
Filing Date: 2025-08-14
Form Type: 10-Q
Source: 0001628280-25-040370
Chunk: 163

Company: PATRIOT NATIONAL BANCORP INC
Filing Date: 2025-08-14
Form: 10-Q
Item: Part I, Item 8
Chunk 163
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 loans secured by 1-4 family residential real estate.

20

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 June 30, 2025:Term of Loans by Origination As of June 30, 2025:20252024202320222021PriorRevolvingTotal Loans Receivable Gross Loan portfolio segment:Commercial Real Estate:Pass$— $— $99,571 $94,098 $80,549 $64,076 $— $338,294 Special mention— — 3,661 3,653 — 1,225 — 8,539 Substandard— — 183 7,481 10,923 4,956 — 23,543 Total — — 103,415 105,232 91,472 70,257 — 370,376 Current period gross charge-offs— — — — — 635 — 635 Residential Real Estate:Pass960 3,578 — 1,202 2,769 49,310 961 58,780 Special mention— — — — — 1,343 — 1,343 Total 960 3,578 — 1,202 2,769 50,653 961 60,123 Current period gross charge-offs— — — — — — — — Commercial and Industrial:Pass5,873 786 3,742 12,124 19,275 6,673 58,917 107,390 Special mention— — 281 18 37 484 4,206 5,026 Substandard— — 171 351 842 6,120 2,261 9,745 Total 5,873 786 4,194 12,493 20,154 13,277 65,384 122,161 Current period gross charge-offs— — — — — 130 — 130 Consumer and Other:Pass287 262 1,391 9