Patriot National Bancorp Inc. · NASDAQ:PNBK
Patriot National Bancorp — Q3 2025 Earnings Presentation
11 slides from Patriot National Bancorp's earnings presentation, Nov 17, 2025
Slide 1: Patriot Bank, N.A. Q3 2025
Patriot Bank, N.A. Q3 2025 A Mevensenzuz5 a ‘A Patriot i 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 Utigaion Reform Act of 1995. These forward-looking statements are 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 n: Providing Safe, Reliable Banking Solutions Tailored to Target Clients’ Unmet Needs Organization Highlight Headquarters Stamford, CT Founded 1994 Charter National Ban
Slide 4: Highlights
Third Quarter 2025 Highlights Patriot Bank returned to profitability, reduced delinquencies, and strengthened capital ratio during @3 2025 1. Net Income increased to +$460k 2. Delinquencies decreased by 17% 3. Tier 1 Leverage Ratio increased to +11.9% ry A Patriot Bank"
Slide 5: Income Statement
Third Quarter 2025 Income Statement Patriot Bank performance driven by proactive balance sheet optimization and prudent credit provisioning Q32024 Q42024 12025 Q22025 —_Q32025 PNerrived 5,697 63174651 4698 5,453 755 Non-Interest Income 216 = 4,987 2.728 2,080 2.207 176 Total Revenue 7.813 7,254 7,37
Slide 6: Balance Sheet
Third Quarter 2025 Balance Sheet Patriot Bank Tier 1 Leverage Ratio Increased from 10.1% to 11.9% [(S 000s) Cash & Restricted Securities Loans Allowance for Credit Losses Other Assets Total Assets Deposits Other Liabilities Total Liabilities Equity Total Liabilities & Equity Key Ratios: Total Levera
Slide 7: Loans
Third Quarter 2025 Loans Patriot Bank increased total loans and the average yi Id on loans during 3 2025 aazz025 Concent Renee Se One Se BO oSTH) Resdential Real Estate wozs 20753 OaSeaeT] he Commercial and instil eee0s 122078 = tatet «= taa98 7 ‘Consumer and Other 59,973. 53,498 33,363, 20,802 (12,
Slide 8: Deposits
Third Quarter 2025 Deposits Patriot Bank increased total deposits and reduced the average cost of deposits during 3Q 2025 4.922025 Non-Interest Bearng, 119689 85,499 115,640 102,008. (13,633) Now 31549-25228 © 2388522845 (1,020), Savings 38,743 38,362 34081 32478 (1,803), Interest Bearing DDA 205.99
Slide 9: Credit Metrics
Third Quarter 2025 Credit Metrics riot Bank reduced Classified Loans and Delinquenci in Q3 2025 while non-accrual loans increased #22025 mQ3.2025 $35,000 xi] [ $25,000 $20,000 cuassiies Non-Accruat Delinquencies
Slide 10: KPIs
Third Quarter 2025 KPIs ROAE Eficiency Ratio Net Interest Margin Loans/Deposits Loans/Assets Total Equity Risk-Weighted Assets Total Assets. ry A Patriot Bank" Q3 2024 (10.8%) (181.7%) 108.3% 2.46% 93.2% 79.0% 45,912 788,210 973,835 24.2024 (3.8%) (89.9%) 110.8% 2.32% 74.8% 15% 34,287 733,094 1,012,
Slide 11: Slide 11
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