Company: PNBK
Filing Date: 2025-08-14
Form Type: 10-Q
Source: 0001628280-25-040370
Chunk: 170

Company: PATRIOT NATIONAL BANCORP INC
Filing Date: 2025-08-14
Form: 10-Q
Item: Part I, Item 8
Chunk 170
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In thousands) Non-accruing Loans  30 - 59 Days Past Due 60 - 89 Days Past Due 90 Days or Greater Past Due Total Past Due Current Total Non-accruing Loans As of June 30, 2025: Loan portfolio segment: Commercial Real Estate: Pass$— $— $3,045 $3,045 $— $3,045 Substandard — — 7,952 7,952 9,896 17,848 Commercial and Industrial: Pass— — 1,999 1,999 — 1,999 Substandard — — 859 859 11 870 Consumer and Other: Substandard — — 453 453 — 453 Construction to permanent - CRE:Substandard— — 31 31 — 31 Total non-accruing loans $— $— $14,339 $14,339 $9,907 $24,246  As of December 31, 2024: Loan portfolio segment: Commercial Real Estate: Pass$— $— $4,461 $4,461 $1,510 $5,971 Substandard 974 — 7,947 8,921 4,442 13,363 Residential Real Estate: Substandard — — 109 109 — 109 Commercial and Industrial: Pass— — 2,349 2,349 — 2,349 Substandard 2 — 978 980 12 992 Consumer and Other: Substandard — 6 724 730 — 730 Construction to permanent - CRE:Substandard— — 2,357 2,357 — 2,357 Total non-accruing loans $976 $6 $18,925 $19,907 $5,964 $25,871 The accrual of interest on loans is discontinued at the time the loan is 90 days past due for payment unless the loan is well-secured and in process of collection. Consumer installment loans are typically charged-off when they become 120 days past due (180 days for open ended consumer credit). Past due status is based on contractual terms of the loan. In all