Patriot National Bancorp Inc. · NASDAQ:PNBK
Patriot National Bancorp — Q3 2026 Earnings Presentation
11 slides from Patriot National Bancorp's earnings presentation, Nov 2, 2026
Slide 1: Patriot Bank, N.A. Q3 2026
Patriot Bank, N.A. Q3 2026 A Novenber2026 ‘A Patriot Bank"
Slide 2: Disclaimer and Cautionary Notice, Preliminary Financial Data and Safe Harbor Statement
Di: and Cauti 'y Notice i inary Financial Data and “Safe Harbor” Statement Under Private Securities Litigation Reform Act of 1995 consldated financial statements at the hoding company lve required by appleabelaw of eglation. ry A Patriot Bank” 7
Slide 3: Patriot Bank: Overview
Patriot Bank: Overview Vision: Empowering America’s Diverse Entrepreneurs, Investors, and Business Leaders and Those Who Serve Them Mission: Providing Safe, Reliable Banking Solutions Tailored to Target Clients’ Unmet Needs janization Highlights Headquarters Stamford, CT Founded 1994 Charter Nationa
Slide 4: Highlights
Third Quarter 2026 Highlights Patriot Bank reported continued asset growth and improved earnings 4 Pretax income increased by $1.76 million to $2.95 million in the quarter, driven by a $1.56 million increase in net interest income 2. Average Loans grew by 11% quarter over quarter to $930 million 3.
Slide 5: Income Statement
Third Quarter 2026 Income Statement Increase in by improved net i 4.022026 Net Interest Income $5,453 $7,111 $9,529 $11,084 $1,555 Non-Interest Income 2,207 3,508 2.817 5,943 3.126 7,660 10,619 12,346 7,01 , Non-Interest Expense (7,636) (9.317) (10,563) (14,078) (3.515) Pre-provision Net Re 24 4,302
Slide 6: Balance Sheet
Third Quarter 2026 Balance Sheet Patriot Bank grew its balance sheet in Q3 while maintaining strong capital ratios is in 000s) 5 Cash & Restricted $201,530 z ‘$109,188 | $121,509 | $289,147 | $167,638 Securities 108,679 x 247,399 244,119 230,166 | (13,953) Loans 607,074 x 779,145 909,608 996,223 266
Slide 7: Loans
Third Quarter 2026 Loans Patriot Bank increased total loans by over 50% YTD Q3 2025 Conmrers Rea ae ‘$360,802 Residential Real Estate 83,671 ‘Commercial and ra 123,358 ‘Consumer and Othe 20,802 Construction 31 Gross Loans, Held for Investment | $588,695 ‘Average Yield % Other Loans, Held for Sale 18
Slide 8: Deposits
Third Quarter 2026 Deposits Patriot Bank has reduced deposit costs by 33 basis points YTD. Q3 2025 4.2025 02 2026 8.022026 Nor-Interest Bearing Deposits $204,749 Demand, Savings and NOW 79.578 Money Market (26,086) Certificates of Deposit 61,201) Brokered Deposits (26,844) Total Deposits $180,192 Av
Slide 9: KPIs
Third Quarter 2026 KPIs Patrot Bank showed improved profitability and a strong balance sheet in the quarter ROAA 0.2% 0.5% 0.5% 0.9% 1.0% AE 2.0% 5.1% 5.7% 10.7% 12.3% 99.5% 89.2% 87.6% 85.5% 827% Net Interest Margin 243% 2.58% 2.49% 3.28% 3.67% Loans/Deposits 71.8% 63.1% 73.6% 75.3% 67.5% Loans/Ass
Slide 10: Preliminary Consolidated Results and Recent Developments
liminary C lidated R Its and Recent Developments Preliminary consolidated earnings: Management estimates that Patriot National Bancorp, Inc.’s consolidated income before income taxes was approximately $1.0 milion for the third quarter of 2026, compared with a consolidated loss before income taxes of
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