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Patriot Bank, N.A. Q3 2026 November 2026 FINANCIAL DATA PRIMARILY REFLECTS PATRIOT BANK, N.A. ON A STAND-ALONE BASIS, EXCEPT FOR THE SEPARATELY IDENTIFIED PRELIMINARY , UNAUDITED PNBK CONSOLIDATED EARNINGS ESTIMATE ON SLIDE 9.
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1 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") (except where otherwise stated) as of and for the quarter, which form the basis of the Bank's Consolidated Report of Condition and Income (Call Report) filed with the Office of the Comptroller of the Currency. Bank-level information may differ from the Call Report in format, level of detail or classification, as described in this presentation. This information is preliminary, unaudited, and subject to change. It is being provided in advance of Patriot National Bancorp's (the "Company’s") Quarterly Report on Form 10-Q for the period. This presentation also includes management’s preliminary, unaudited estimate of consolidated income before income taxes for Patriot National Bancorp, Inc. and its subsidiaries for the quarter ended September 30, 2026. This estimate is derived from the Company’s preliminary consolidated accounting records, rather than the Bank’s Call Report, and is subject to the review procedures and potential adjustments described below. Business and litigation updates include developments occurring after September 30, 2026. The data presented herein has not been subjected to the review procedures applicable to the Form 10-Q, including review by the Company's independent registered public accounting firm pursuant to applicable standards of the Public Company Accounting Oversight Board. Accordingly, this information may be revised or restated in connection with the finalization of the Form 10-Q, including as a result of audit or review adjustments, reclassifications, corrections, changes in accounting estimates, or other modifications made in the ordinary course of preparing consolidated financial statements at the holding company level. Investors and other users are cautioned that this presentation reflects the stand-alone results and financial position of the Bank and does not represent the consolidated financial statements of the Company, except where otherwise indicated. The Company's results may differ (and estimates may vary from actual results once finalized) due to holding company-level activities, intercompany eliminations, and consolidation adjustments. Credit quality metrics, including non-accrual balances, delinquencies, and classified asset balances, are presented as summary figures without detailed definitions. Readers should refer to the Company's Form 10-Q for complete definitions and disclosure. Financial data is unaudited, and this presentation provides selected financial information rather than a complete set of consolidated financial statements prepared in accordance with Regulation S-X. This presentation should be read in conjunction with the Company's most recent Annual Report on Form 10-K, and other reports filed with the SEC, which are available at www.sec.gov. The Company undertakes no obligation to update or revise the information contained in this presentation to reflect events or circumstances occurring after the date hereof, except as may be required by applicable law or regulation. This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Actual results may differ materially from those expressed or implied. Because forward-looking statements relate to future results and occurrences, they are subject to inherent risks, uncertainties, changes in circumstances and other factors that are difficult to predict. Many possible events or factors could affect Patriot’s future financial results and performance and could cause the actual results, performance, or achievements of Patriot to differ materially from any anticipated results expressed or implied by such forward-looking statements. Please refer to the Company's most recent Form 10-K for a discussion of risk factors.
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2 Balance Sheet Organization Highlights Liquidity & Capital Headquarters Stamford, CT Founded 1994 Charter National Bank (OCC-regulated) Branches 8 Employees 137 Q3 2026 Liquidity to Assets 34.3% Tier 1 Leverage 9.8% Tier 1 Capital 14.0% Common Equity Tier 1 Capital 14.0% ($ in 000s) Q3 2026 Total Assets $1,501,989 Cash + Securities 519,313 Loans 936,223 Deposits 1,387,441 Patriot Bank: Overview Vision: Empowering America’s Diverse Entrepreneurs, Investors, and Business Leaders and Those Who Serve Them Mission: Providing Safe, Reliable Banking Solutions Tailored to Target Clients’ Unmet Needs Unaudited Bank-Level Data
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3 1. Pretax income increased by $1.76 million to $2.95 million in the quarter, driven by a $1.56 million increase in net interest income 2. Average Loans grew by 11% quarter over quarter to $930 million 3. Average Assets grew by 5% quarter over quarter to $1.3 billion Third Quarter 2026 Highlights Patriot Bank reported continued asset growth and improved earnings Unaudited Bank-Level Data
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4 Third Quarter 2026 Income Statement Unaudited Bank-Level Data Increase in net income driven by improved net interest income ($ in 000s) Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Δ Q2 2026 Net Interest Income $5,453 $6,276 $7,111 $9,529 $11,084 $1,555 Non-Interest Income 2,207 3,548 3,508 2,817 5,943 3,126 Total Revenue 7,660 9,824 10,619 12,346 17,026 4,680 Non-Interest Expense (7,636) (8,763) (9,317) (10,563) (14,078) (3,515) Pre-provision Net Revenue 24 1,062 1,302 1,783 2,948 1,165 (Provision)/Release for Credit Losses 431 321 181 (590) 3 593 Pre-Tax Income 455 1,382 1,483 1,193 2,951 1,758 Income Tax (Expense)/Benefit 5 (111) (13) 1,526 189 (1,337) Net Income /(Loss) $460 $1,271 $1,470 $2,720 $3,141 $421
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5 Third Quarter 2026 Balance Sheet Unaudited Bank-Level Data Patriot Bank grew its balance sheet in Q3 while maintaining strong capital ratios ($ in 000s) Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Δ Q2 2026 Cash & Restricted $201,530 $207,197 $109,188 $121,509 $289,147 $167,638 Securities 108,679 228,316 247,339 244,119 230,166 (13,953) Loans 607,074 617,075 779,145 909,606 936,223 26,617 Allowance for Credit Losses (7,187) (6,839) (7,779) (8,469) (8,469) 0 Other Assets 41,499 43,080 52,618 56,160 54,922 (1,238) Total Assets $951,596 $1,088,830 $1,180,511 $1,322,925 $1,501,989 $179,064 Deposits 845,097 977,560 1,059,288 1,207,249 1,387,441 180,192 Borrowings and Other Liabilities 7,804 9,500 20,199 9,985 12,688 2,703 Total Liabilities $852,900 $987,061 $1,079,487 $1,217,235 $1,400,129 $182,894 Equity 98,696 101,769 101,024 105,690 101,860 (3,830) Total Liabilities & Equity $951,596 $1,088,830 $1,180,511 $1,322,925 $1,501,989 $179,064 Key Ratios: Tier 1 Leverage Ratio 11.9% 11.4% 9.4% 9.6% 9.8% 0.2% Common Equity Tier 1 Ratio (CET1) 18.5% 18.7% 15.2% 13.2% 14.0% 0.8% Tier 1 Capital Ratio 18.5% 18.7% 15.2% 13.2% 14.0% 0.8% Total Capital Ratio 19.2% 19.2% 16.2% 14.2% 14.9% 0.7%
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6 Third Quarter 2026 Loans Patriot Bank increased total loans by over 50% YTD Unaudited Bank-Level DataNote: yield calculations exclude interest and fee income on loans held for sale ($ in 000s) Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Δ Q2 2026 Commercial Real Estate $360,802 $346,191 $341,306 $375,733 $374,571 ($1,162) Residential Real Estate 83,671 79,667 188,475 201,153 199,272 (1,881) Commercial and Industrial 123,358 146,828 220,176 300,626 319,966 19,340 Consumer and Other 20,802 19,876 9,035 8,460 7,879 (581) Construction 31 0 0 0 0 0 Gross Loans, Held for Investment $588,695 $592,562 $758,992 $885,973 $901,688 $15,715 Average Yield % 5.82% 5.83% 5.61% 6.20% 6.26% 0.06% Other Loans, Held for Sale 18,408 24,513 20,154 23,634 34,535 10,901 Total Loans – Gross $607,072 $617,075 $779,146 $909,607 $936,223 $26,616 Loan Type as a % of Gross Loans, Held For Investment Δ Q2 2026 Commercial Real Estate 61.3% 58.4% 45.0% 42.4% 41.5% (0.9%) Residential Real Estate 14.2% 13.4% 24.8% 22.7% 22.1% (0.6%) Commercial and Industrial 21.0% 24.8% 29.0% 33.9% 35.5% 1.6% Consumer and Other 3.5% 3.4% 1.2% 1.0% 0.9% (0.1%) Construction 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% Other Loans, Held for Sale 0.0%
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7 Third Quarter 2026 Deposits Patriot Bank has reduced deposit costs by 33 basis points YTD. Unaudited Bank-Level Data Consistent with the presentation in the Company’s Form 10-Q, escrow account balances are classified within Other Liabilities. Accordingly, total deposits differ from Call Report filings, which include these balances in total deposits. ($ in 000s) Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Δ Q2 2026 Non-Interest Bearing Deposits $102,009 $118,541 $93,194 $156,766 $361,515 $204,749 Demand, Savings and NOW 325,202 329,764 438,407 580,379 659,955 79,576 Money Market 162,948 191,177 262,850 196,762 170,676 (26,086) Certificates of Deposit 196,622 283,395 232,930 241,435 190,234 (51,201) Brokered Deposits 58,316 54,683 31,907 31,907 5,063 (26,844) Total Deposits $845,097 $977,560 $1,059,288 $1,207,249 $1,387,441 $180,192 Average Cost % 2.88% 2.66% 2.72% 2.52% 2.33% (0.19%) Deposit Type as a % of Total Deposits Δ Q2 2026 Non-Interest Bearing 12.0% 12.1% 8.8% 13.0% 26.0% 13.0% Demand, Savings and NOW 38.5% 33.7% 41.4% 48.1% 47.6% (0.5%) Money Market 19.3% 19.6% 24.8% 16.3% 12.3% (4.0%) Certificates of Deposit 23.3% 29.0% 22.0% 20.0% 13.7% (6.3%) Brokered Deposits 6.9% 5.6% 3.0% 2.6% 0.4% (2.2%)
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8 Third Quarter 2026 KPIs Note: Profit ratios for Q3 2025 sourced from S&P Capital IQ Unaudited Bank-Level Data Patrot Bank showed improved profitability and a strong balance sheet in the quarter ($ in 000s) Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Δ Q2 2026 ROAA 0.2% 0.5% 0.5% 0.9% 1.0% 0.1% ROAE 2.0% 5.1% 5.7% 10.7% 12.3% 1.6% Efficiency Ratio 99.5% 89.2% 87.6% 85.5% 82.7% (2.8%) Net Interest Margin 2.43% 2.58% 2.49% 3.28% 3.57% 0.29% Loans/Deposits 71.8% 63.1% 73.6% 75.3% 67.5% (7.8%) Loans/Assets 63.8% 56.7% 66.0% 68.8% 62.3% (6.5%) Total Equity $98,696 $101,769 $101,024 $105,690 $101,860 ($3,831) Risk-Weighted Assets 611,540 625,163 757,819 920,014 936,305 16,291 Total Assets 951,596 1,088,830 1,180,511 1,322,925 1,501,989 179,064 Asset Growth (QoQ) 2.3% 14.4% 8.4% 12.1% 13.5%
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9 Preliminary Consolidated Results and Recent Developments ¹ The 3Q2026 estimate reflects Patriot National Bancorp, Inc. and its subsidiaries on a consolidated basis and is separate from the Bank-only results presented elsewhere. The estimate is preliminary and unaudited, has not been reviewed by the Company’s independent registered public accounting firm, and remains subject to completion of quarterly closing and financial reporting procedures and independent accountant review. Final results reported in the Company’s Form 10-Q may differ materially. 1. Preliminary consolidated earnings: Management estimates that Patriot National Bancorp, Inc.’s consolidated income before income taxes was approximately $1.0 million for the third quarter of 2026, compared with a consolidated loss before income taxes of $1.4 million for the second quarter of 2026.¹ 2. Parker receivables litigation: On October 9, 2026, the federal court in SDNY granted Patriot’s motion to dismiss with respect to several of SVB’s claims including all claims relating to the Parker Card receivables carried as loans held for sale on Patriot Bank’s balance sheet. 3. 2026 Beverly Hills branch approval: During the fourth quarter of 2026, Patriot Bank received approval from the Office of the Comptroller of the Currency to establish a branch in Beverly Hills, California.