{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-23-003297","form_type":"8-K","ticker":"PNBK","cik":"0001098146","company_name":"PATRIOT NATIONAL BANCORP INC","filed_at":"2023-05-15T23:59:59+00:00","discovered_at":"2026-05-14T18:03:37.934094+00:00","generated_at":"2026-06-15T00:34:01.713664+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Patriot posts Q1 net loss of $53K, EPS $(0.01); provision for credit losses $1.3M","bullets":["Net loss $53K ($0.01 per share) vs Q1 2022 net income $800K ($0.20 EPS).","Provision for credit losses $1.3M in Q1 2023 vs zero in Q1 2022.","Net interest margin 3.29%, down 48bps from Q4 2022, up 23bps YoY.","Loans grew 3.6% to $878.8M; deposits stable at $856.5M from Dec 2022.","CECL adoption increased allowance by $7.4M, cumulative deficit adjustment $6.2M net."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-23-003297","json":"https://secwatch.observer/filing/0001171843-23-003297.json","markdown":"https://secwatch.observer/filing/0001171843-23-003297.md","text":"https://secwatch.observer/filing/0001171843-23-003297.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1098146/000117184323003297/0001171843-23-003297-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1098146/000117184323003297/f8k_051323.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-15T00:34:01.713664+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}