For the quarter ending 2026-03-31, PNBK had -$97,935K decrease in cash & cash equivalents over the period. -$3,457K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net loss | -1,755 | -2,275 | -2,657 | -7,778 |
| Accretion of investment premiums and discounts, net | 920 | 171 | 88 | 77 |
| Amortization and accretion of purchase loan premiums and discounts, net | 1 | 8 | 145 | 21 |
| Amortization of debt issuance costs | 9 | -15 | 102 | 106 |
| Amortization of core deposit intangible | 12 | 12 | 11 | 24 |
| Amortization of servicing assets of sold sba loans | 9 | 8 | 77 | 68 |
| Impairment of intangible assets | - | 0 | - | - |
| Gain on sale of premises and equipment | - | 0 | 0 | 1 |
| (credit) provision for credit losses | -181 | -321 | -431 | 2,257 |
| Depreciation and amortization | 214 | 221 | 231 | 534 |
| Loss on sales of available-for-sale securities | -11 | 0 | 0 | 0 |
| Share-based compensation | 2,282 | 2,131 | 1,806 | 1,296 |
| Decrease (increase) in deferred tax assets | - | 0 | 0 | 0 |
| Write-down of other real estate owned | - | - | -176 | 253 |
| Increase in deferred tax liabilities | 13 | 111 | -4 | -48 |
| Originations of loans held for sale, net | 287,229 | 281,414 | 220,770 | 406,732 |
| Proceeds from sale of loans held for sale | 291,588 | 275,308 | 217,377 | 403,450 |
| Gain on sale of loans, net | 0 | -322 | -992 | -916 |
| Net gain on sale and write-down of other real estate owned | 0 | -77 | - | - |
| (increase) decrease in accrued interest and dividends receivable | 1,403 | 612 | -667 | -564 |
| (increase) decrease in other assets | 5,023 | 1,161 | -225 | -1,744 |
| (decrease) increase in accrued expenses and other liabilities | -538 | 3,822 | -2,455 | -1,445 |
| Net cash used in operating activities | -2,912 | -4,042 | -5,238 | -4,890 |
| Proceeds from sale of premises and equipment | - | 0 | 0 | 1 |
| Payments received on loans receivable | - | -3,873 | 23,977 | 120,976 |
| Origination of loans receivable | - | 0 | - | - |
| Proceeds from maturity or sales on available-for-sale securities | 29,062 | 0 | 0 | 0 |
| Purchases of loans receivable | - | 336 | 25,863 | 177 |
| Principal repayments on available-for-sale securities | 2,028 | 1,491 | 1,220 | 1,688 |
| Purchases of available-for-sale securities | 51,024 | 120,648 | 24,540 | 0 |
| Proceeds from maturity of other investments | - | 0 | 4,450 | - |
| (purchases) redemptions of frb stock | 92 | 509 | 101 | 974 |
| (purchases) redemptions of fhlb stock | 303 | 0 | 0 | -100 |
| (purchases of) payments received from loans receivable, net | 165,293 | - | - | - |
| Proceeds from sale of other real estate owned | - | 0 | 2,766 | - |
| Purchases of premises and equipment, net | 545 | 80 | 19 | 73 |
| Private placement costs for common stock | - | 0 | 244 | 3,779 |
| Net cash (used in) provided by investing activities | -186,167 | -123,955 | -18,110 | 121,541 |
| Increase (decrease) in deposits, net | 82,640 | 134,931 | -2 | -135,740 |
| (repayments) proceeds from fhlb daily borrowing, net | - | 0 | 0 | -3,000 |
| Repayments of fhlb long term borrowings | - | 0 | 0 | - |
| Proceeds from (repayments from) fhlb daily borrowing, net | 10,000 | - | - | - |
| Proceeds from frb and correspondent bank borrowings | 0 | 0 | 0 | 70,000 |
| Repayments of frb and correspondent bank borrowings | 0 | 0 | 0 | 70,000 |
| Principal repayments of senior notes | - | -162 | 3,046 | - |
| Principal repayments of note payable | 0 | 0 | 54 | 108 |
| Increase in advances from borrowers for taxes and insurance | 1,288 | -1,498 | -585 | 1,504 |
| Proceeds from preferred stock issuance | 0 | 0 | 0 | 5,450 |
| Private placement costs for preferred stock | - | 0 | 0 | 351 |
| Proceeds from common stock issuance | 0 | 0 | 25,837 | 59,735 |
| Purchase of common stock for rsu settlements | 2,784 | - | - | - |
| Net cash provided by (used in) financing activities | 91,144 | 133,595 | 21,906 | -76,289 |
| Net decrease in cash, cash equivalents and restricted cash | -97,935 | 5,598 | -1,442 | 40,362 |
| Cash, cash equivalents and restricted cash at beginning of period | 207,127 | 201,530 | 162,610 | - |
| Cash, cash equivalents and restricted cash at end of period | 109,192 | 207,127 | 201,530 | - |