PNBK furnishes Q3 2025 Patriot Bank financial deck as Exhibit 99.1

Rhea-AI Filing Summary

Patriot National Bancorp, Inc. (PNBK) filed a current report to announce that it has posted a presentation with certain Q3 2025 financial information for Patriot Bank, National Association, its wholly owned banking subsidiary, on its Investor Relations website. The same investor presentation is also furnished as Exhibit 99.1 to this report.

The company notes that this information is being furnished, not filed, under securities laws, which means it is not subject to certain liability provisions and is not automatically incorporated into other securities filings unless specifically referenced.

8-K Event Classification

2 items: 7.01, 9.01

2 items

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): November 17, 2025

PATRIOT NATIONAL BANCORP, INC.

(Exact name of registrant as specified in its charter)

Connecticut		000-29599		06-1559137
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

900 Bedford Street, Stamford, Connecticut		06901
(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number including area code: (203) 252-5900

(Former name or former address, if changed since last report): Not Applicable

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common Stock, par value $0.01 per share		PNBK		NASDAQ Global Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b–2 of the Securities Exchange Act of 1934 (§ 240.12b–2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. 

Section 7 - Regulation FD

Item 7.01. Regulation FD Disclosure

On November 17, 2025, Patriot National Bancorp, Inc. (the “Company”) posted on its Investor Relations website (https://bankpatriot.com/Learn/About/Investor-Relations) a presentation of certain Q3 2025 financial information of Patriot Bank, National Association, a wholly owned subsidiary of the Company.

A copy of the Presentation is furnished as Exhibit 99.1 hereto. The information contained in this Current Report on Form 8-K (including the exhibits) is being furnished and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that Section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as otherwise expressly stated in such filing.

Item 9.01. Financial Statements and Exhibits.

99.1		Presentation
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	Patriot National Bancorp, Inc.
November 17, 2025	By:	/s/ Carlos P. Salas
	Name: Carlos P. Salas
	Title: Chief Financial Officer

FAQ

What did Patriot National Bancorp (PNBK) announce in this 8-K?

The company reported that it has posted a Q3 2025 financial information presentation for Patriot Bank, National Association on its Investor Relations website and furnished the same presentation as Exhibit 99.1.

Where can investors find the Q3 2025 Patriot Bank financial presentation?

Investors can access the presentation on the company’s Investor Relations website at https://bankpatriot.com/Learn/About/Investor-Relations, and it is also included as Exhibit 99.1 to this report.

Is the Q3 2025 financial information considered filed with the SEC for Patriot National Bancorp?

No. The company states that the information in the report, including Exhibit 99.1, is being furnished and not deemed filed under the Securities Exchange Act of 1934, limiting certain legal liabilities and incorporation effects.

Which subsidiary of Patriot National Bancorp is covered in the Q3 2025 presentation?

The presentation provides certain Q3 2025 financial information for Patriot Bank, National Association, which is a wholly owned subsidiary of Patriot National Bancorp, Inc.

Who signed the Patriot National Bancorp 8-K related to the Q3 2025 presentation?

The report was signed on behalf of the company by Carlos P. Salas, who is identified as the Chief Financial Officer of Patriot National Bancorp, Inc.

What exhibits are included with Patriot National Bancorp’s Q3 2025 information 8-K?

The report includes Exhibit 99.1, which is the Q3 2025 financial presentation, and Exhibit 104, which is the cover page interactive data file embedded within the Inline XBRL document.