Patriot National Bancorp (PNBK) Investor presentation summary

Strategic vision and leadership

• Focus on empowering diverse entrepreneurs, investors, and business leaders with tailored banking solutions.

• Headquarters in Stamford, CT, with 8 branches and 107 employees.

• Recent addition of experienced executives to strengthen institutional banking.

Financial performance and profitability

• Returned to profitability in Q3 2025 with net income of $460k after prior losses.

• Total revenue for Q3 2025 reached $7.66 million, up from $6.73 million in Q2.

• Non-interest expense decreased, supporting improved pre-provision net revenue.

Balance sheet and capital position

• Total assets at $951.6 million and deposits at $845.1 million as of Q3 2025.

• Tier 1 Leverage Ratio increased to 11.9%, and Common Equity Tier 1 Ratio to 18.5%.

• Liquidity to assets ratio at 32.6%.