Patriot National Bancorp (PNBK) Investor presentation summary

Strategic vision and mission

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

• Headquartered in Stamford, CT, operating as a national bank since 1994 with 8 branches and 114 employees.

Financial performance highlights

• Net interest income rose by $1.097M to $7.373M in Q1 2026, supporting higher profitability.

• Net income increased by $199K to $1.470M, reflecting improved earnings on assets.

• Total loans grew over 26% quarter-over-quarter to $779M, while total assets rose 8.4% to $1.181B.

Balance sheet and capital position

• Total assets reached $1.18B, with deposits at $1.06B and loans at $779M as of Q1 2026.

• Tier 1 leverage ratio stood at 9.45%, and Common Equity Tier 1 Capital ratio at 15.21%, indicating strong capital levels.

• Liquidity to assets ratio was 30.2%, supporting operational stability.