Patriot National Bancorp (PNBK) Investor presentation summary

Strategic vision and organizational overview

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

• Headquartered in Stamford, CT, with 8 branches and 108 employees.

• Operates as a national bank regulated by the OCC, founded in 1994.

Financial performance and growth

• Net income rose to $1.27 million in Q4 2025, driven by balance sheet growth and improved deposit costs.

• Total assets increased by 14% quarter-over-quarter, reaching $1.09 billion.

• Total deposits grew to $977.6 million, with the average cost of deposits declining to 2.98%.

Capital and liquidity position

• Liquidity to assets ratio stood at 40.0% and Tier 1 leverage ratio at 11.4%.

• Common Equity Tier 1 and Tier 1 Capital ratios both at 18.7%.