Financial insights of PNBK

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
-$1,755K
EPS
-$0.02
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Interest and fees on loans	10,030	10,063*	8,565	9,103
Interest on investment securities	2,893	1,215*	598	548
Dividends on investment securities	61	39*	48	38
Other interest income	1,740	1,972*	2,332	1,805
Total interest and dividend income	14,724	13,288*	11,543	11,494
Interest on deposits	7,258	7,340*	6,090	6,793
Interest on fhlb, frb and correspondent bank borrowings	93	96*	0	3
Interest on senior debt	0	178*	105	183
Interest on subordinated debt	297	358*	338	327
Interest on note payable	0	1*	0	0
Total interest expense	7,648	7,972*	6,533	7,306
Net interest income	7,076	5,316*	5,010	4,188
(recovery of) provision and credit gain expense	-181	-134*	-431	1,524
Net interest income after (recovery of) provision and credit loss expense	7,257	5,450*	5,441	2,664
Loan application, inspection and processing fees	115	247*	111	105
Deposit fees and service charges	306	381*	281	481
(gain) loss on sales of loans, net	0	697*	-992	-959
Rental income	-	23*	65	135
Loss on sale of investment securities, net	-11	0*	0	0
Digital payments income	2,788	2,671*	2,684	2,108
Other income	48	141*	58	160
Total non-interest income	3,246	4,159*	2,207	2,030
Salaries and benefits	6,820	5,575*	5,694	5,242
Occupancy and equipment expense	910	797*	766	767
Data processing expense	380	328*	473	453
Professional and other outside services	1,570	1,623*	745	1,046
Project expenses, net	-	0*	-	-
Advertising and promotional expense	44	154*	46	44
Loan administration and processing expense	27	168*	8	13
Regulatory assessments	480	203*	605	417
Insurance expense, net	247	140*	253	140
Communications, stationary and supplies	415	208*	456	348
Intangible asset impairment	-	0*	-	-
Other operating expense	1,352	1,497*	1,264	1,274
Total non-interest expense	12,245	10,691*	10,310	9,744
Loss before income taxes	-1,742	-1,083*	-2,662	-5,050
(benefit) provision for income taxes	13	140*	-5	-49
Net loss	-1,755	-1,223	-2,657	-5,001

Basic EPS	-0.02	-0.023	-0.03	-0.06
Diluted EPS	-0.02	-0.023	-0.03	-0.06
Basic Average Shares	115,275,211	52,376,418	99,937,915	78,123,095
Diluted Average Shares	115,275,211	52,376,418	99,937,915	78,123,095

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
-$1,755K
EPS
-$0.02
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
-$1,755K
EPS
-$0.02
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income-$1,755KEPS-$0.02Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income-$1,755KEPS-$0.02Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
-$1,755K
EPS
-$0.02
Unit: Thousand (K) dollars

Net Income
-$1,755K
EPS
-$0.02
Unit: Thousand (K) dollars