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Companies / Financials / PATRIOT NATIONAL BANCORP INC
PNBK

PATRIOT NATIONAL BANCORP INC

FinancialsCommercial Banks
Ticker PNBKSTAMFORD, CTFiscal year ends DecemberBook value per share $0.76Diluted shares 117.3M

Patriot National Bancorp, Inc. (NASDAQ: PNBK) operates through its principal subsidiary, Patriot Bank, N.A., a national banking association headquartered in Stamford, Connecticut and regulated by the Office of the Comptroller of the Currency. The company's website is https://www.bankpatriot.com. From the company’s description.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-06-30
Sales & profitability
$29.63M
+4.2% year over year
Last 12 mo $39.09M
-42.70%
+13.9 percentage points
Last 12 mo -20.34%
$-12.71M
+68.1% year over year
Last 12 mo $-6.54M
-13.42%
+921.7 percentage points
Last 12 mo -7.36%
Cash & financing
$-14.17M
−628.1% year over year
Last 12 mo $-17.82M
$-14.34M
−645.7% year over year
Last 12 mo $-18.50M
10.37
Was 234.39× a year earlier
Last 12 mo 0.19
76.8M
+1831.8% year over year
Last 12 mo 117.3M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What PATRIOT NATIONAL BANCORP INC does

In the company’s own words

Patriot National Bancorp, Inc. (NASDAQ: PNBK) operates through its principal subsidiary, Patriot Bank, N.A., a national banking association headquartered in Stamford, Connecticut and regulated by the Office of the Comptroller of the Currency. The company's website is https://www.bankpatriot.com.

The Bank commenced operations in 1994 and maintains eight branch offices, with seven locations across Connecticut and one in New York, supplemented by a banking office in Beverly Hills, California that opened in early 2026. The company serves clients through relationship-based banking, treasury management, institutional banking, and digital banking channels across the Tri-State area and beyond.

Patriot's business strategy focuses on relationship-driven banking and specialized financial services for selected customer segments, including entrepreneurs, investors, and business leaders; digital payments and institutional banking clients such as program managers, fintech companies, and payment processors; and underbanked but creditworthy individuals and businesses in its market areas. The company's lending activities emphasize commercial real estate lending, high-net-worth and business lines of credit, and asset-secured lending facilities. Deposit products include traditional consumer and commercial offerings alongside treasury management and transaction services.

During 2025, the company undertook substantial transformation of its capital structure, governance, and business strategy. The Bank entered into a Formal Agreement with the OCC in January 2025 requiring specified actions to strengthen capital, governance, strategic planning, and risk management. As part of this repositioning, the company reconstituted its senior management team and Board of Directors, completed significant capital raising transactions, and restructured certain debt obligations. The company exited or curtailed certain non-core activities and refocused its business on targeted customer segments aligned with its risk appetite and long-term strategy.

As of December 31, 2025, the company employed 107 full-time employees. The company's deposits are insured by the Federal Deposit Insurance Corporation up to applicable limits, and it maintains membership in the Federal Reserve System. The company is subject to extensive federal regulation and supervision by banking regulators including the Federal Reserve, OCC, and FDIC.

Company details
Sector
Financials
Industry
Commercial Banks
Headquarters
STAMFORD, CT
Fiscal year end
December
CIK
1098146
SIC
6021

Financial performance, year by year

Fiscal 2013–2025 · USD
$-47.78M$-24.09M$-0.39M$23.30M$46.99M2013201420152016201720182019202020212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns PATRIOT NATIONAL BANCORP INC — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

48
funds hold it
0 of 35
superinvestors hold it
$11.91M
held by funds, at market
9.2%
of shares held by funds

Largest fund holders · PATRIOT NATIONAL BANCORP INC’s weight in each

VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
Fidelity Small Cap Index Fund
FSSNX · Fidelity Salem Street Trust
0.00%of fund net assets
VANGUARD EXTENDED MARKET INDEX FUND
VXF · VANGUARD INDEX FUNDS
0.00%of fund net assets
Fidelity Extended Market Index Fund
FSMAX · Fidelity Concord Street Trust
0.00%of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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  • “How do PATRIOT NATIONAL BANCORP INC and its peers compare on margins and cash generation over ten years?”
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