Patriot National Bancorp Inc

F:PN21

Patriot National Bancorp Inc

Investor Relations

Patriot National Bancorp is a bank holding company whose main business comes from Patriot Bank, a community bank that takes deposits and makes loans. It serves people, small businesses, and commercial customers with everyday banking products such as checking and savings accounts, mortgages, commercial real estate loans, business loans, and cash management services. Like most banks, it makes money mainly from the spread between what it pays depositors and what it earns on loans and other interest-bearing assets, plus fees tied to banking services. The company’s customers are mostly local and regional clients that want a relationship-focused bank rather than a large national branch network. Its lending work is centered on credit decisions, underwriting, and ongoing account management, while its deposit base gives it the funding needed to make loans. That makes Patriot National Bancorp’s role straightforward: it collects money from customers, lends it back into the community, and earns income from that lending activity. What sets its business apart is its community bank model. Instead of selling a narrow product or a one-time service, it depends on long-term customer relationships and on understanding local borrowers better than larger banks often can. That local focus can matter in commercial lending, where knowledge of a customer’s business, property, and cash flow is often as important as the product itself.