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Regulatory and Operational Matters (Tables)
12 Months Ended
Dec. 31, 2024
Regulatory Capital Requirements under Banking Regulations [Abstract]  
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations
The Company and Bank’s regulatory capital amounts and ratios at December 31, 2024 and 2023 are summarized as follows:
December 31, 2024December 31, 2023
Patriot National Bancorp, Inc.Patriot Bank, N.A.Patriot National Bancorp, Inc.Patriot Bank, N.A.
(Dollar amounts in thousands)AmountRatioAmountRatioAmountRatioAmountRatio
Total Capital (to risk weighted assets):
Actual$44,534 6.07 %$56,536 7.71 %$89,727 10.00 %$100,683 11.22 %
To be Well Capitalized(1)— — 73,309 10.00 %— — 89,732 10.00 %
For capital adequacy58,667 8.00 %58,648 8.00 %71,788 8.00 %71,785 8.00 %
Individual minimum capital ratio(2)— — 84,306 11.50 %— — N/AN/A
Tier 1 Capital (to risk weighted assets):
Actual33,545 4.57 %55,546 7.58 %73,282 8.17 %94,238 10.50 %
To be Well Capitalized(1)— — 58,648 8.00 %— — 71,785 8.00 %
For capital adequacy44,001 6.00 %43,986 6.00 %53,841 6.00 %53,839 6.00 %
Individual minimum capital ratio(2)— — 73,309 10.00 %— — N/AN/A
Common Equity Tier 1 Capital
(to risk weighted assets):
Actual25,545 3.48 %55,546 7.58 %65,282 7.27 %94,238 10.50 %
To be Well Capitalized(1)— — 47,651 6.50 %— — 58,325 6.50 %
For capital adequacy33,000 4.50 %32,989 4.50 %40,381 4.50 %40,379 4.50 %
Individual minimum capital ratio(2)— — 73,309 10.00 %— — N/AN/A
Tier 1 Leverage Capital (to average assets):
Actual33,545 3.50 %55,546 5.79 %73,282 6.76 %94,238 8.70 %
To be Well Capitalized(1)— — 47,948 5.00 %— — 54,170 5.00 %
For capital adequacy38,368 4.00 %38,358 4.00 %43,339 4.00 %43,336 4.00 %
Individual minimum capital ratio(2)— — 86,306 9.00 %— — N/AN/A
(1) Designation as "Well Capitalized" does not apply to bank holding companies - the Company. Such categorization of capital adequacy only applies to insured depository institutions - the Bank.
(2) The Capital ratios established by the OCC began to be phased in beginning April 17,2024. It was not applicable to periods prior to that date and does not apply to bank holding companies - the Company.