Patriot National Bancorp Inc. · NASDAQ:PNBK
Patriot National Bancorp — Q1 2026 Earnings Presentation
10 slides from Patriot National Bancorp's earnings presentation, May 6, 2026
Slide 1: Patriot Bank, N.A. Q1 2026
Patriot Bank, N.A. Q1 2026 a _ ~ A . May 2026 —— <= A Patriot i Bank”
Slide 2: Disclaimer and Cautionary Notice Regarding Preliminary Financial Data and Safe Harbor Statement
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 Empowering America’s Diverse Entrepreneurs, Investors, and Business Leaders and Those Who Serve Them jon: Providing Safe, Reliable Banking Solutions Tailored to Target Clients’ Unmet Needs Organization Highligh Headquarters Stamford, CT Founded 1994 Charter National Bank (OCC-
Slide 4: Highlights
First Quarter 2026 Highlights Patriot Bank reported strong asset growth and improved eamings 1. Net Interest Income increased by $1.097M to $7.373M for the quarter 2. Net Income increased by $199k to $1.470M for the quarter 3. Total Loans grew by over 26% quarter over quarter to $779M 4. Total Asset
Slide 5: Income Statement
First Quarter 2026 Income Statement Patriot Bank increased net income driven by increased earnings on assets Q1 2025 Q2 2025 Q3 2025 Q4 2025 Net Interest Income Non-Interest Income Total Revenue Non-Interest Expense Pre-provision Net Revenue (Provision)/Release for Credit Pre-Tax Income Income Tax (
Slide 6: Balance Sheet
First Quarter 2026 Balance Sheet Patriot Bank increased its balance sheet in Q1, while maintaining strong capital ratios ($ in 000s) Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 4Q4 2025 Cash & Restricted $136,201 $202,972 $201,530 $207,197 $109,188 ($98,009) Securities 86,808 88,108 108,679 228,316 247,
Slide 7: Loans
First Quarter 2026 Loans Patriot Bank increased total loans by over 26% in Q1 A.Q4 2025, Commercial Real Estate $401,403 | $370,376 | $360,802] $346,191 | $341,306 ($4,885) Residential Real Estate 90,753 60,123 83,671 79,667 | 188,475 108,808 Commercial and Industrial 122,375 | 122,161] 123,358] 146
Slide 8: Deposits
First Quarter 2026 Deposits Patriot Bank increased total deposits by over 8% in Q1 2026 4.Q4 2025 Non-Interest Bearing $86,499 | $115,640] $102,009] $118,541] $93,194 ($25,347) NOW 25,228 23,865 22,845 24,281 25,311 1,030 Savings 38,362 34,081 32,478 38,036 | 105,076 67,040 Interest Bearing DDA 131,
Slide 9: KPIs
First Quarter 2026 KPls Q1 showed continued profitability and strong balance sheet growth Q3 2025 0.2% Q4 2025 0.5% ($ in 000s) ROAA Q1 2025 (0.7%) Q2 2025 (1.0%) ROAE (13.0%) (12.3%) 2.0% 51% Efficiency Ratio 114.8% 114.4% 99.5% 89.2% Net Interest Margin 1.90% 2.07% 2.43% 2.58% Loans/Deposits 80.0%
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