Patriot National Bancorp Inc. · NASDAQ:PNBK
Patriot National Bancorp — Q2 2025 Earnings Presentation
11 slides from Patriot National Bancorp's earnings presentation, Aug 14, 2025
Slide 1: Patriot Bank Q2 2025
Patriot Bank Q2 2025 A A Patriot Bank August 2025
Slide 2: Patriot Bank: Overview
Patriot Bank: Overview Empowering America’s Diverse Entrepreneurs, Investors, and Businesses Leaders and those who serve them anization Highlight Headquarters Stamford, CT Founded 1994 Charter National Bank (OCC-regulated) Branches 8 FTE 104 Liquidity & Capital Balance Sheet (s000s) (S000s) gaa whas
Slide 3: Executive Leadership Transformation
Executive Leadership Transformation m with proven track record Newly established executive leadership t ‘Steven Sugarman Carlos Salas Angle Miranda Paul Simmons Deepali Ganatra Chiet Executive Oficer | | Chief Financial Offeer Chie Risk Offeor Chief Credt OFfcer | | Chiet Accounting Offcer Cliange C
Slide 4: Board Governance Transformation
Board Governance Transformation Newly established Board members complement le: alchard smith | | Jet seabaa | ma Mogeayan ‘Thedora Nickel BAlrivate LA Times ©) BNESnn © BNSinw TesianoaS — BUSINESS JOURNAL management, and strat committed to fiduciary excellence. Cfignge Ons. a Seasoned board leadersh
Slide 5: Highlights
Second Quarter 2025 Highlights Patriot Bank began to strategically restructure its balance sheet, operating margins, and strategy in Q2 2025 1. Pre-Provision Profit of +$0.2M excluding $(1.2)M loss from Sale of SFR Portfolio 2. Margin Expansion Driven by 23bps Reduction in Cost of Deposit 3. Reduced
Slide 6: Balance Sheet
Second Quarter 2025 Balance Sheet Patriot Bank reported 10.33% Total Leverage Ratio; Up from 9.7% at end of Q1 2025 ($n 000s) 4.012025 Cash & Restricted 202,972 66,770 Strong Capital Position: Total Leverage Ratio improved to Cash Securities 88,108 1,289 10.33%; Common Equity Tier 1 Ratio rose to 15
Slide 7: Gross Loans
Second Quarter 2025 Gross Loans Patriot Bank reported Q2 2025 Gross Loan Balance of $603M (Sin 000s) EYEE 4 a1 2025 Single Family Loans (81,547) Total Loan Balance declined quarter-over-quarter due to Multi-Family Loans (6,505) _ strategic portfolio adjustments and program suspensions ‘Consumer Loan
Slide 8: Deposits
Second Quarter 2025 Deposits Patriot Bank reported Q2 2025 Deposit Balance of $840M ($ in 000s) 222025 _ FNeiPiyed Demand Deposits. 684 ‘Specialty — Digital Deposits (13,799) Specialy — Other Deposits (1,088) Money Market Deposits (68,378) Certificates of Deposit (32,003) Other Deposits (2.561) One-
Slide 9: Income Statement
Second Quarter 2025 Income Statement Performance driven by proactive balance sheet optimi {in 000s) Net Interest Income Non-nterest Income ‘Total Revenue Non-Interest Expense Pre-provision Net Revenue Provision for Credit Losses Pre-Tax Income Income Tax (Expense)/Benefit Reported Net income (loss)
Slide 10: Credit Metrics
Second Quarter 2025 Credit Metrics Classified and Non-Accrual Loans CRE Loan Portfoli cu20:s aa220:s ($0008) $n000 $38,739 oO "otal Loan Balances e CRE to Ter copa +ACL s2sa00 s33759 Weighted Average LTV Weighted Average DSC 7 pveroge Loan he s2n000 s25000 s2n000 A Bank"
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