Company: PNBK
Filing Date: 2025-11-14
Form Type: 10-Q
Source: 0001628280-25-052358
Chunk: 138

Company: PATRIOT NATIONAL BANCORP INC
Filing Date: 2025-11-14
Form: 10-Q
Item: Part I, Item 2
Chunk 138
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 Bank’s regulatory capital ratios at September 30, 2025 and December 31, 2024:                                                

September 30, 2025December 31, 2024Patriot National Bancorp, Inc.Patriot Bank, N.A.Patriot National Bancorp, Inc.Patriot Bank, N.A.(Dollar amounts in thousands)AmountRatioAmountRatioAmountRatioAmountRatioTotal Capital (to risk weighted assets)$130,042 21.29 %$117,368 19.19 %$44,534 6.07 %$56,536 7.71 %Individual minimum capital ratio— — %70,327 11.50 %— — %84,306 11.50 %Tier 1 Capital (to risk weighted assets)117,701 19.27 %113,374 18.54 %33,545 4.57 %55,546 7.58 %Individual minimum capital ratio— — %61,154 10.00 %— — %73,309 10.00 %Common Equity Tier 1 Capital (to risk weighted assets)109,701 17.96 %113,374 18.54 %25,545 3.48 %55,546 7.58 %Individual minimum capital ratio— — %61,154 10.00 %— — %73,309 10.00 %Tier 1 Leverage Capital (to average assets)117,701 12.42 %113,374 11.95 %33,545 3.50 %55,546 5.79 %Individual minimum capital ratio— — %85,356 9.00 %— — %86,306 9.00 %

Capital adequacy is one of the most important factors used to determine the safety and soundness of individual banks and the banking system. Under the regulatory framework for prompt correction action, to be considered “well capitalized,” an institution must generally have a leverage capital ratio of at least 5.0%, Common Equity Tier 1 (“CET1”) capital ratio at least 6.5%, a Tier 1 risk-based capital ratio of at least 8.0% and a total risk-based capital ratio of at least 10%. However