Call reports 2025
PATRONS BANK, NATIONAL ASSOCIATION — 2025
What PATRONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 288,528,000 | 287,613,000 | 294,207,000 | 298,185,000 |
| Total loans | 156,260,000 | 158,795,000 | 157,622,000 | 173,956,000 |
| Allowance for loan losses | 2,932,000 | 2,891,000 | 2,900,000 | 2,771,000 |
| Securities available for sale | 96,649,000 | 97,787,000 | 99,589,000 | 98,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,229,000 | 255,829,000 | 259,952,000 | 259,940,000 |
| Interest-bearing deposits | 196,989,000 | 195,197,000 | 199,878,000 | 199,251,000 |
| Noninterest-bearing deposits | 60,240,000 | 60,632,000 | 60,074,000 | 60,689,000 |
| Equity capital | 27,339,000 | 27,694,000 | 29,829,000 | 29,485,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,700,000 | 7,440,000 | 11,187,000 | 15,026,000 |
| Interest expense | 1,023,000 | 2,066,000 | 3,121,000 | 4,175,000 |
| Net interest income | 2,677,000 | 5,374,000 | 8,066,000 | 10,851,000 |
| Noninterest income | 679,000 | 1,390,000 | 2,041,000 | 2,700,000 |
| Noninterest expense | 2,417,000 | 4,971,000 | 7,737,000 | 10,679,000 |
| Provision for loan losses | 23,000 | 22,000 | 22,000 | 22,000 |
| Pretax income | 916,000 | 1,771,000 | 2,348,000 | 2,850,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 916,000 | 1,771,000 | 2,348,000 | 2,850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,421,000 | 33,832,000 | 33,963,000 | 33,254,000 |
| Total capital | 36,099,000 | 36,574,000 | 36,683,000 | 36,024,000 |
| Risk-weighted assets | 214,040,000 | 219,279,000 | 217,478,000 | 234,242,000 |