Patriot National Bancorp (PNBK) Q4 2025 earnings summary

Executive summary

• Achieved strong asset growth and improved credit quality, leading to higher earnings in Q4 2025.

• Net income rose to $1.27 million for the quarter, driven by balance sheet expansion and lower deposit costs.

Financial highlights

• Net income for Q4 2025 was $1,271k, up from $460k in Q3 2025.

• Total revenue increased to $9,824k in Q4 2025, compared to $7,660k in Q3 2025.

• Total assets grew 14% quarter-over-quarter, reaching $1,088,830k.

• Deposits increased to $977,560k, up $132,463k from Q3 2025.

• Loans rose to $617,075k, with an average yield maintained at 5.77%.

Outlook and guidance

• Forward-looking statements highlight risks from interest rate changes, regulatory shifts, economic conditions, and competition.