Patriot National Bancorp Inc. · NASDAQ:PNBK
Patriot National Bancorp — Q3 2025 Earnings Presentation
12 slides from Patriot National Bancorp's earnings presentation, Nov 24, 2025
Slide 1: Patriot Bank, N.A. Q3 2025
Patriot Bank, N.A. Q3 2025 A November 2025 ae A Patriot Bank"
Slide 2: Safe Harbor Statement Under Private Securities Litigation Reform Act of 1995
“Safe Harbor” Statement Under Private Becimies: Litigation Reform Act of 1995: contains sinc ery 05, Tan Toso acing 8 ff A. (collectively, “Patriot” or the “Company") regarding Patriot’s business, the economy, and other f Id aff results, performance, Patriot to differ ly such 1d the interest paid on
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 Organization Highli Headquarters Stamford, CT Founded 1994 Charter Branches
Slide 4: Executive Leadership
Executive Leadership Patriot added experienced executives to its leadership team Steven Canup Charuka Sinhabahu Eloiza D’Lima EVP, Institutional Banking SVP, Institutional Banking BSA Officer w UPTIQ w UPTIQ Deutsche Bank 2H UBS Ws28 A ‘A Patriot Bank
Slide 5: Highlights
Third Quarter 2025 Highlights Patriot Bank returned to profitability, reduced 1. Net Income increased to +$460k 2. Delinquencies decreased by 17% 3. Tier 1 Leverage Ratio increased to +11.9% A ‘A Patriot Bank capital ratio during Q3 2025
Slide 6: Income Statement
Third Quarter 2025 Income Statement Patriot Bank performance driven by proactive balance sheet ($ 000s) Net Interest Income. Non-Interest Income Total Revenue Non-Interest Expense Pre-provision Net Revenue Provision for Credit Losses Pre-Tax Income Income Tax (Expense)/Benefit Net Income (loss) A ‘A
Slide 7: Balance Sheet
Third Quarter 2025 Balance Sheet Patriot Bank Tier 1 Leverage Ratio Increased from 10.1% to 11.9% ($ 000s) Q3 2024 Q42024 Q12025 22025 _Q3 2025 Cash & Restricted 72, 10 02,972 201,630 (1,441) Securities 20,572 Loans 607,074 4,228 Allowance for Credit Losses (7,187) 6 Other Assets 41,499 (2,554) Tota
Slide 8: Loans
Third Quarter 2025 Loans Patriot Bank increased total loans and the average yield on loans during 3Q 2025 acaa0ns enn) Real Estate 419,485 401,403 370,376 Residential Real Estate e218 90,753 60,123 en ae Commercial and Industrial 129,608 122,375 122,161 123,358 1,197, Consumer and Other 59,973 53,49
Slide 9: Deposits
Third Quarter 2025 Deposits Patriot Bank increased total deposits and reduced the average cost of deposits during 3Q 2025 [S in 000s) Non-Interest Bearing Now Savings Interest Bearing DDA ‘Money Market Certificates of Deposit Spedialy-Otner Deposts Brokered Deposi ‘Total Deposits» Yield % interest B
Slide 10: Credit Metrics
Third Quarter 2025 Credit Metrics Patriot Bank reduced Classified Loans and in Q3 2025 while I loans increased Classified Loans, Non-Accrual Loans and Delinquencies 1m Q22025 mQ32025 $35,000 48 @ sos oe il Classified Non-Accruat Delinquencies A ‘A Patriot Bank
Slide 11: KPIs
Third Quarter 2025 KPIs {($ 000s) Q3 2024 Q4 2024 Qt 2025 Q2 2025 Q3 2025 ROAA (10.8%) (3.8%) (0.7%) (1.0%) 2% ROAE (181.7%) (89.9%) (13.0%) (12.3%) Efficiency Ratio 106.3% 110.8% 114.8% 114.4% Net Interest Marain 2.46% 2.32% 1.90% 2.07% Loans/Deposits 93.2% 74.8% 80.0% 71.8% Loans/Assets 79.0% 71.5
Slide 12: Slide 12
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