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Letter portraitLegal landscapeQuarterYTD

Patriot Bank, National Association

Stamford, CT · Cert 33928 · Patriot National Bcorp Inc.

National charter · OCC · 8 branches

Q2 2026

$1.3BAssets
$909.6MLoans
$1.2BDeposits
$105.7MEquity
Loan mix
79%RE $612.7M20%C&I $157.4M1%Consumer $9.0MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $1.1B13%Noninterest $0.2BQ2 2025Q2 2026

NIM

5.37%Q2 ’244.97%Q2 ’254.97%Q2 ’26-17%+39%

Non-interest income vs. expense

2.99%Q2 ’243.35%Q2 ’253.14%Q2 ’26+11%-7%

Market Position · Bridgeport-Stamford-Danbury, CT · 2026 SOD (annual) · 1.5% share · #13 of 25 inst. · $1.1B of $77.9B

1.7% Western Connecticut
0.2% South Central Connecticut
0.3% Greater Bridgeport
0.0% Westchester

Executive Summary

  • Earnings: ROA of 0.70%, up 159 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 2.75% of loans (-127 bps YoY), with net recoveries of 0.07%.
  • Capital: tier 1 leverage ratio of 9.60%, down 50 bps from a year ago.
  • Funding: loans stand at 75.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.70%+159 bps YoY

Net Interest Margin (YTD, annualized)

2.68%+75 bps YoY

Efficiency Ratio (YTD, annualized)

86.43%-2,815 bps YoY

Tier 1 Leverage Ratio

9.60%-50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.89%-0.53%-0.26%0.52%0.70%+159 bps
Return on Equity-13.24%-6.97%-3.24%5.80%8.15%+2,139 bps
Net Interest Margin1.93%2.08%2.06%2.42%2.68%+75 bps
Efficiency Ratio114.58%109.29%103.00%87.54%86.43%-2,815 bps
Non-Interest Burden2.36%2.38%2.17%1.99%2.19%-17 bps
Growth
Asset Growth (YoY)-10.45%-2.28%7.59%23.41%42.22%+5,267 bps
Loan Growth (YoY)-23.73%-21.09%-14.67%12.10%50.89%+7,461 bps
Deposit Growth (YoY)4.81%2.34%1.03%21.73%43.55%+3,875 bps
Asset Quality
Nonperforming Loans / Loans4.02%4.28%3.95%2.94%2.75%-127 bps
Net Charge-Offs / Loans0.62%0.45%0.34%-0.11%-0.07%-69 bps
Allowance / Loans1.29%1.18%1.11%1.00%0.93%-36 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.3x0.3x0.0x
Capital
Tier 1 Leverage Ratio10.10%11.95%11.42%9.45%9.60%-50 bps
Total Risk-Based Capital16.34%19.19%19.25%16.25%14.15%-219 bps
Equity / Assets8.79%10.37%9.35%8.56%7.99%-80 bps
Liquidity & Funding
Loans / Deposits71.55%71.63%63.07%73.40%75.21%+366 bps
Liquid Assets / Assets19.89%18.80%16.90%7.47%8.64%-1,125 bps
CRE / Total Capitaln/a316%298%368%n/an/a