Patriot National Bancorp Inc. · NASDAQ:PNBK
Patriot National Bancorp — Q2 2026 Earnings Presentation
10 slides from Patriot National Bancorp's earnings presentation, Jul 31, 2026
Slide 1: Patriot Bank, N.A. Q2 2026
Patriot Bank, N.A. Q2 2026 A July 2026 A Patriot = Bank"
Slide 2: Disclaimer and Cautionary Notice Regarding Preliminary Financial Data
Disclaimer and Cautionary Notice Regarding Preliminary Financial Data and “Safe Harbor” Statement Under Private Securities Litigation Reform Act of 1995 The financial information contained in this presentation reflects bank-level data derived from the records of Patriot Bank, N.A. (the "Bank") as of
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 Hi Ss Headquarters Stamford, CT Founded 1994 Charter National B
Slide 4: Highlights
Second Quarter 2026 Highlights Patriot Bank reported strong asset growth and improved earnings 1. Net Interest Income increased by $2.4M to $9.5M for the quarter 2. Net Income increased by $1.3M to $2.7M for the quarter 3. Total Loans grew by over 14% quarter over quarter to $910M 4. Total Assets gr
Slide 5: Income Statement
Second Quarter 2026 Income Statement Patriot Bank increased net income driven by increased earnings on assets (TS) Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 AQ1 2026 Net Interest Income $4,698 $5,453 $6,276 $7,111 $9,529 $2,418 Non-Interest Income 2,030 2,207 3,548 3,508 2,817 (691) Total Revenue 6,72
Slide 6: Balance Sheet
Second Quarter 2026 Balance Sheet Patriot Bank increased its balance sheet in Q2, while maintaining strong capital ratios A Qt 2026 Cash & Restricted $202,972 $201,530 $207,197 $109,188 $121,509 $12,321 Securities 88,108 108,679 228,316 247,339 244,119 (3,220) Loans 602,846 607,074 617,075 779,145 9
Slide 7: Loans
Second Quarter 2026 Loans Patriot Bank increased total loans by over 14% in Q2 ($ in 000s) Q2 2025 Q3 2025 Q4 2025 Q2 2026 4Q1 2026 Commercial Real Estate $370,376 $360,802 $346,191 $341,306 $375,733 $34,427 Residential Real Estate 60,123 83,671 79,667 188,475 201,153 12,678 Commercial and Industria
Slide 8: Deposits
Second Quarter 2026 Deposits Patriot Bank increased total deposits by over 12% in Q2 2026 Deposits A.Q1 2026 Non-Interest Bearing $115,640 $102,009 $118,541 $93,194 $156,766 $63,572 Demand, Savings and NOW 244,537 325,202 329,764 438,407 580,379 141,972 Money Market 194,227 162,948 191,177 262,850 1
Slide 9: KPIs
Second Quarter 2026 KPIs Q2 showed continued profitability and strong balance sheet growth ($ in 000s) Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 AQ1 2026 ROAA (1.0%) 0.2% 0.5% 0.5% 0.9% 0.4% ROAE (12.3%) 2.0% 5.1% 5.7% 10.7% 5.0% Efficiency Ratio 114.4% 99.5% 89.2% 87.6% 85.5% (2.1%) Net Interest Marg
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