Call reports 2025
PATRIOTS BANK — 2025
What PATRIOTS BANK 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 | 238,813,000 | 249,813,000 | 254,336,000 | 261,243,000 |
| Total loans | 174,554,000 | 188,141,000 | 197,786,000 | 203,647,000 |
| Allowance for loan losses | 1,937,000 | 1,992,000 | 2,067,000 | 2,024,000 |
| Securities available for sale | 22,096,000 | 22,071,000 | 22,667,000 | 23,664,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,872,000 | 223,128,000 | 222,672,000 | 230,806,000 |
| Interest-bearing deposits | 174,955,000 | 184,828,000 | 185,424,000 | 193,595,000 |
| Noninterest-bearing deposits | 35,917,000 | 38,300,000 | 37,248,000 | 37,211,000 |
| Equity capital | 19,785,000 | 20,319,000 | 22,045,000 | 22,467,000 |
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 | 3,967,000 | 8,206,000 | 12,596,000 | 16,999,000 |
| Interest expense | 1,380,000 | 2,772,000 | 4,176,000 | 5,604,000 |
| Net interest income | 2,587,000 | 5,434,000 | 8,420,000 | 11,395,000 |
| Noninterest income | 207,000 | 534,000 | 784,000 | 1,003,000 |
| Noninterest expense | 1,809,000 | 3,769,000 | 5,726,000 | 7,476,000 |
| Provision for loan losses | 45,000 | 100,000 | 175,000 | 250,000 |
| Pretax income | 940,000 | 2,099,000 | 3,303,000 | 4,672,000 |
| Income tax | 14,000 | 57,000 | 103,000 | 157,000 |
| Net income | 926,000 | 2,042,000 | 3,200,000 | 4,515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,054,000 | 22,398,000 | 23,556,000 | 23,745,000 |
| Total capital | 23,991,000 | 24,390,000 | 25,623,000 | 25,769,000 |
| Risk-weighted assets | 180,884,000 | 193,300,000 | 202,640,000 | 210,190,000 |