Patriot National Bancorp Inc. · NASDAQ:PNBK
Patriot National Bancorp — Q4 2025 Earnings Presentation
11 slides from Patriot National Bancorp's earnings presentation, Mar 10, 2026
Slide 1: Patriot Bank, N.A. Q4 2025
Patriot Bank, N.A. Q4 2025 ZZ oh . neencze a A Patriot - —_ Bank"
Slide 2: "Safe Harbor" Statement Under Private Securities Litigation Reform Act of 1995
“Safe Harbor” Statement Under Private Securities Litigation Reform Act of 1995: This presentation contains “forward looking statements” within the meaning ofthe Private Securities Utigation Reform Act of 1995, These forward-looking statements ae based on current expectations and assumptions of Patri
Slide 3: Patriot Bank: Overview
Patriot Bank: Overview Vision: Empowering America’s Diverse Entrepreneurs, Investors, and Business Leaders and Those Who Serve Them sion: Providing Safe, Reliable Banking Solutions Tailored to Target Clients’ Unmet Needs Organization Highlight Headquarters Stamford, CT Founded 1994 Charter National
Slide 4: Highlights
Fourth Quarter 2025 Highlights Patriot Bank reported strong asset growth and improved credit quality resulting improved earnings 1. Net Income increased to $1,271k for the quarter 2. Credit metrics improved with reductions in classified, non-accrual, and delinquent loans 3. Total Assets grew by 14%
Slide 5: Income Statement
Fourth Quarter 2025 Income Statement t growth and improved deposit costs Patriot Bank net income increased due to balance sh (Sin 000s) 042024 12025 __@22025 _Q32025 Net Interest Income 537) 4651 4698) 5,453] 6.276 823 Non-Interest Income 1997] 2,728] 2.030! 2207] 3,648] 1,341 Total Revenue 7,254] 7
Slide 6: Balance Sheet
Fourth Quarter 2025 Balance Sheet Patriot Bank Tier 1 Leverage Ratio remained above 11% as Patriot Bank grew its balance sheet (S in.000s) Q42024 Q12025 _Q22025 32025 Q42025_PNeRPad ‘Cash & Restricted 762610 | 196,201) 202,972) 201,630] 207,197 5.687 Securities 6508 | 96,808| 88,108 t08679| 228316 1
Slide 7: Loans
Fourth Quarter 2025 Loans Patriot Bank increased total loans and maintained the average yi Id on loans during @4 2025 4202412025 22025 3.2025 4. 2025 ‘Commercial Real Estate 419,489/ 401,403 370,376] 360,802] 348,191 (14,611) Residential Real Estate 92.215 90,753 60,123 83,671 79,667 (4,004) Commerc
Slide 8: Deposits
Fourth Quarter 2025 Deposits Patriot Bank increased total deposits and reduced the average cost of deposits during @4 2025 (in 0008) 4.2024 012025 022025 032025082025 NCE Non-Interest Bearng 119,649 115,640] 102.008 | 118,541 16.533 Now 31549 23g05| 22845| 24.281 1436 Savings 38,743 34081] 32478] 38
Slide 9: Credit Metrics
Fourth Quarter 2025 Credit Metrics ratriot Bank reduced lassified Loans, Non-Accrual Loans, and Delinquent Loans in Q4 2025 ual Loans and Delinquent Loans, in. 000s) $35,000 32025 Q42025 $30,000 $25,000 $20,000 Classified Non-Accruat Delinquent ry ‘A Patriot Bank
Slide 10: KPIs
Fourth Quarter 2025 KPIs (Sin. 000s) Eficiency Ratio Net Interest Margin Loans/Deposits Loans/Assets Total Equity RWA Total Assets Asset Growth (0) ry A Patriot Bank 042024 (3.8%) (89.9%) 110.8% 2.32% 74.8% 15% 34,287 733,094 1,012,044 3.9% Q12025 (0.7%) (13.0%) 114.8% 1.90% 80.0% 72.7% 78,379 700,2
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Patriot National Bancorp — Q4 2025 Earnings Presentation on 6ix