Patriot National Bancorp (PNBK) Registration filing summary

Company overview and business model

• Operates as a one-bank holding company for a national bank with eight branches in Connecticut and New York, focusing on community banking services.

• Incorporated in Connecticut in 1999, with headquarters in Stamford.

• Qualifies as a smaller reporting company, allowing for certain scaled disclosure and compliance exemptions.

Financial performance and metrics

• Financial statements for the years ended December 31, 2024 and 2023, and for the three-year period ended December 31, 2024, have been audited by RSM US LLP.

Use of proceeds and capital allocation

• Net proceeds from securities sales will be used for purposes specified in future prospectus supplements, potentially including general corporate purposes.