Patriot National Bancorp Inc. · NASDAQ:PNBK
Patriot National Bancorp — Q2 2026 Earnings Presentation
28 slides from Patriot National Bancorp's earnings presentation, Aug 17, 2026
Slide 1: Investor Presentation: Patriot National Bancorp 2Q26 Earnings
Investor Presentation Patriot National Bancorp, Inc. (NASDAQ: PNBK) 2Q26 Earnings
Slide 2: Cautionary Notice
ent (Cautionary Notic Securities Litigation Reform Act of 1995 ‘Tis presentation has ben prepared by Patriot National Bancorp, the "Compan the oling company of att Bonk, NA. (the Bon’) for informational purposes {o sit shareholders and other member of theinvestmentcommunty in understanding he Compan
Slide 3: Table of Contents
Table of Contents i | Executive Summary 3 i | Balance Sheet Highlights 15 ju | Deposit Highlights 24 Earnings Highlights 23 ndix 26 R Patriot National Bancorp, Inc
Slide 4: Executive Summary
Executive Summary
Slide 5: Patriot National Bancorp has a renewed mission
Patriot National Bancorp has a renewed mission: To meet the unmet needs of high-net-worth clients and the businesses that serve them Who We Serve How We Serve Where We Serve hoes investors, family High Net Worth Banking: Private client offices in offices, om the businesses that Private Banking witho
Slide 6: Strategic Highlights
Strategic Hightights 1. ecapitalized and Refocused Banking Franchise With Meanin: eee ae + -$i000miton rcaptalzaion conpleed 2025 songtored capa agen ten android Sar aed 2 + OCC Foe! Agreement ferminted on June 9, ral 2026 2. Strategic Focus on High-Net Worth Clients and their Ecosyste lem + Strateg
Slide 7: Total Loans grew by 17% from Q1 to $910M
Total Loans grew by 17% from Qi to $910M B Total Assets grew by 12% from Q1 to $1.32B Ri Patriot |
Slide 8: Balance Sheet Trends
alance Sheet Trends Patriot National Bancorp increased its balance sheet in Q2, while maintaining strong capital ratios Bat 2026 S12317 24.874 $063,752 | $855,729 $993,160 | $1,086,588 | $1,228,781 ame 95.023, ‘94,680 88,935 Equit ‘$950,752 | $1,087,840, $1,317,716 ey Ri 79% 93% 1 115% 90: Common ta
Slide 9: From Turnaround to Growth: A Three-Phase Roadmap
From Turnaround to Growth: A Three-Phase Roadmap ree-phase plan to build a strong, well-managed national bank Restructure Execute Scal 2025 — 1H 2026 2H 2026 2027+ + Raised ~$100M equity + Target marginal revenue (with + Target organic growth to + Rebuilt leadership team (TEI ESOS GICLEE + Repositio
Slide 10: Key Milestones Achieved
Key Milestones Achieved Bank restructuring and growth timeline Forma Hires New fist Profitable Agreement and executive Team ‘Greenwich, CT Quarter (02) for “Troubled Bank Hired (ace Bevery Hil, CA HOW Banking PBK Designation approved) Capital raise 3 Offic Opening Team (post recap) January 2025, May
Slide 11: Tier 1 Leverage Ratio, Net Income, Net Interest Income
Tier 1 Leverage Ratio Net Income ($000s) 7 coo 10 om : roar mast m2so2 202803 202504 202601 202502 aasay ' aesaz amsasaozsoe momar 2802 Not interest income (000s) Total Deposits (Smm) s0000 : 1200 Note: Consaldted financial information 10 Company's report on Form 8 fled March 28,2028) K Patriot Nati
Slide 12: Total Deposits and Total Equity
‘1.000 ses sm seas 00 cn 3 caso me ic 00 + zmsat 202502202503 202504207801 202602 zoasat" amsar 20250: 2002 Total Deposits ($mm) Total Equity ($mm) state $128 , ’ = ‘APatriot ‘onal Banc: Note: Consolidated nancial data (() neds HFI ana HES
Slide 13: Steven A. Sugarman, Chairman, CEO & President
BANC OF CALIFORNIA D 9p Yale Law School K Patriot = Chairman, Chief Executive Officer & President vest and aw A graduate of Dartmouth Colege and Yale Law ai Sugarman ‘Steven A. Sugarman ha but his carer across banking Sthoo ne bo nero founding GPS Partners, $2 bllon ing COR vaoren an eso apd Clesing
Slide 14: New Leadership Team Highlights
New Leadership Team Highlights Angie Miranda ual Simm Jamie Bruneau DeWitt Hutchins rket President Market President, ‘insta ram each een fange ge 208 OF ue ZIONS. sum S2ban fp a go APOLLO Bank * sa @ ccna “ZZ Citi spmorganchase © Kratri PAE Dynamic executive leadership team with deep expertise in na
Slide 15: Board of Directors
+ Experienced in strategy, operations, and stakeholder engagement ANGELES Los BUSINESS JOURNAL K Patriot jonathan Roth SoFeunaeaneag cof 3850 apt eadng seine sono, Srctung and anagemont ven leadership in buidng an sain ‘elated nancial businesees © Bisse Seasoned board of directors with corporate gov
Slide 16: II. Balance Sheet Highlights
ll. Balance Sheet Highlights
Slide 17: ncn nnn
ncn nnn RK KPatriot sissies asa mart mn 7 Banc (6) TROC » Tota Rix Gases Capa (Tier + Ter? capi)
Slide 18: Patriot Bank Loan Composition Since Q1 2025
atriot Bank Loan Composition Since Q1 2025 (1) Loan yield calculated on bank-leve average asets R Patriot ai Bancorp nc
Slide 19: zea" 202802202803,
5 3 zea" 202802202803, _ A Patriot National Bancorp, Inc Note: ankc-level franca data shown
Slide 20: Bank Level Securities Portfolio Breakdown
Bank Level Securities Portfolio Breakdown) omens sregasaday febt securities + Total Securities represented 18.2% of Total Assets * The seourtes porto consists of primal FNMA, yale Sr GNWtaaued RMES representing 88% of folio 1e remaining 13.1% consists of a combination of Diner Debt Securles and Gove
Slide 21: Capital Ratios Strong Since Recapitalization
Capital Ratios Strong Since Recapitalization 20.00% 15.00% saan 12% ‘ne oo ‘Wot Capitaze Tota Risk Bsed Capital Rati (210%) 3% om 7% sy ao - ‘Wel Coptazed Tie 1 Leverage Rao @ 5%) 35% zomae mat “sce 72803 sat 71 Leverage Ratio Total RBC Ratio
Slide 22: III. Deposit Highlights
Ill. Deposit Highlights
Slide 23: Total Deposits
si28 y= Total Deposits revel frail dat “HH Total Deposits by Channel at June 30, 2026! Pa DepostBalance Wid. Avg. Rats Total Dposts (sts) cy cy etal ore Irstutonal sar 22% 303% High Net Worth 1320 216% 109% 251 100.0% aman ont ree lee a2 erence eon Note: shown 38 (1) cere Deposits ane epost catego 2
Slide 24: IV. Earnings Highlights
IV. Earnings Highlights
Slide 25: Yields and Cost of Funds
12.000 780% —e-secuntes vi FTE) —econtotFunde a oom 577% ATT gay $7200 asim 4200 00% 90% (1) Loan yield calculated on bank-leve average asets R Patriot National Bancorp, Inc Eo) ao2sae
Slide 26: Return on Average Assets
Return on Average Assets 150% Tae co os 165% 100% ae 6% am ‘e802 22803 808 7801 ‘e002
Slide 27: V. Appendix
V. Appendix
Slide 28: Core Deposits Reconciliation
Nenerest eng Deosts $86,499 $115,640 $102,009 $118,541 194 $156,766 lus: Demand, Savings, & NMDA 462,267 438,764 488,150 520.981 701,267 777,141 Plus: Reta Time Deposits (excl. Brokered) 162668 159,009 1334 206.915, 173.979 Core Deposits TA 8731,534 $713,413 $723,706 $646,307 $959,455 $1,107,886 Plu
Patriot National Bancorp — Q2 2026 Earnings Presentation on 6ix