PNBK on Nasdaq

Patriot National Bancorp

Logo: WikipediaLover4444, CC BY-SA 4.0, via Wikimedia Commons4

American bank holding company

Patriot Bank, N.A. (PNBK) is the bank holding company for Stamford, Connecticut-based Patriot Bank NA, and is traded on NASDAQ as PNBK. The bank provides retail and commercial banking services and operates seven locations in Fairfield County, Connecticut, one in New Haven County, Connecticut, and one in Westchester County, New York.3 From Wikipedia, CC BY-SA 4.0

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Last updated Oct 18, 2026.

Overview

1994Founded1

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  • TickerPNBK on Nasdaq1
  • Industryfinancial services1
  • HeadquartersStamford1
  • Websitewww.pnbk.com
  • Incorporated inCT5
  • Business address900 Bedford St, Stamford, Ct 069015
  • Filer categoryNon-accelerated filer, Smaller reporting company5

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Patriot Bank, N.A. (PNBK) is the bank holding company for Stamford, Connecticut-based Patriot Bank NA, and is traded on NASDAQ as PNBK.3

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income7891011-$12.7M in 2025+351% since 2019
-$40.0M-$20.0M0$20.0M2019: -$2.8M-$2.8M20192020: -$3.8M-$3.8M2020+36%2021: $5.1M$5.1M20212022: $6.2M$6.2M2022+21%2023: -$4.2M-$4.2M20232024: -$39.9M-$39.9M2024+854%2025: -$12.7M-$12.7M2025−68%

Every line of the income statement as filed: the last 3 fiscal years, latest first.11

Period ending2025-12-312024-12-312023-12-31
Interest and fees on loans$36.6M$47.3M$54.3M
Interest on investment securities$2.9M$2.6M$2.7M
Dividends on investment securities$168.0K$287.0K$504.0K
Other interest income$8.2M$2.2M$1.5M
Total interest and dividend income$47.8M$52.4M$59.0M
Interest on deposits$26.7M$26.0M$21.7M
Interest on FHLB, FRB and correspondent bank borrowings$100.0K$3.5M$6.1M
Interest on senior debt$610.0K$1.2M$1.2M
Interest on subordinated debt$1.4M$1.6M$1.5M
Interest on note payable$1.0K$5.0K$8.0K
Total interest expense$28.7M$32.3M$30.5M
Net interest income$19.1M$20.1M$28.5M
Provision for credit losses$1.5M$12.5M$7.4M
Net interest income after provision for credit losses$17.6M$7.6M$21.1M
Loan application, inspection and processing fees$571.0K$625.0K$694.0K
Deposit fees and service charges$1.5M$536.0K$285.0K
(Loss) gain on sales of loans-$2.2M$440.0K$169.0K
Rental income$323.0K$302.0K$395.0K
(Loss) gain on sale of investment securities, net$0-$334.0K$24.0K
Digital payment fee income$9.9M$5.1M$2.3M
Other income$468.0K$1.7M$2.1M
Total non-interest income$10.5M$8.4M$6.0M
Salaries and benefits$22.0M$17.9M$17.6M
Occupancy and equipment expense$3.1M$3.2M$3.4M
Data processing expense$1.7M$1.3M$1.2M
Professional and other outside services$4.3M$3.7M$3.4M
Project expenses, net$0$0$93.0K
Advertising and promotional expense$289.0K$360.0K$269.0K
Loan administration and processing expense$199.0K$167.0K$259.0K
Regulatory assessments$1.7M$1.4M$1.2M
Insurance expense, net$729.0K$316.0K$277.0K
Communications, stationary and supplies$1.4M$973.0K$870.0K
Intangible asset impairment$0$0$1.1M
Other operating expense$5.3M$2.8M$3.1M
Total non-interest expense$40.8M$32.1M$32.7M
(Loss) income before income taxes-$12.7M-$16.1M-$5.6M
Provision (benefit) for income taxes$59.0K$23.8M-$1.5M
Net (loss) income-$12.7M-$39.9M-$4.2M
Basic (loss) earnings per share (usd per share)-$0.17-$10.03-$1.05
Diluted (loss) earnings per common share (usd per share)-$0.17-$10.03-$1.05

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The story

On August 31, 1994, Patriot National Bank obtained its charter and opened for business as a community bank. In 1999, Patriot National Bancorp, Incorporated was organized as a Bank Holding Company headquartered in Stamford, Connecticut. The Patriot National Statutory Trust I was founded on March 11, 2003, to issue trust preferred securities and invest the proceeds in subordinated debentures issued by the company.

In 2006, Patriot National Bank purchased a branch office and opened two new branch offices in New York, expanding its geographical footprint into New York State. In August 2017, Patriot announced the signing of a definitive merger agreement pursuant to acquire Prime Bank of Orange, CT, expanding its community banking presence in Connecticut.

In September 2015, the bank announced the bank announced its new name “Patriot Bank”. In July 2017, Patriot announced the resumption of quarterly dividends for shareholders in July 2017, for the first time since 2008.

From Wikipedia’s article on Patriot National Bancorp, shared under CC BY-SA 4.0.6

Leadership

Who has led Patriot National Bancorp, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Angelo Decaro2006–2009
  2. Christopher Maher2010–2011
  3. Kenneth T. Neilson2013–2016
  4. Michael A. Carrazza2018
  5. Robert Glenn Russell2020
  6. David Christopher Lowery2024
  7. Steven Sugarman2025–now

Chair

  1. Angelo Decaro2006–2009
  2. Michael A. Carrazza2011–now

President

  1. Charles F. Howell2006–2009
  2. Christopher Maher2010–2011
  3. Kenneth T. Neilson2013–2016
  4. Richard A. Muskus Jr.2018–2019
  5. Robert Glenn Russell2020
  6. Steven Sugarman2025–now

Chief financial officer

  1. Connell Robert F. O.2006–2008
  2. Christina L. Maier2014
  3. Neil Michael McDonnell2016
  4. Joseph D. Perillo2017–2021
  5. Carlos P. Salas2025–now

Chief operating officer

  1. Philip W. Wolford2006–2007
  2. Susan Neilson2016
  3. Peter D. Cureau2016
1995200020052010201520202025
Board members and other officers (44)

Timeline

  1. Jul 8, 2025New chief executive Steven Sugarman becomes CEO15
  2. May 8, 2024New chief executive David Christopher Lowery becomes CEO16
  3. Jul 21, 2020New chief executive Robert Glenn Russell becomes CEO17
  4. Oct 12, 2018Parent Directly consolidated by Patriot Bank, National Association70
  5. Feb 7, 2018New chief executive Michael A. Carrazza becomes CEO18
  6. Jul 29, 2013New chief executive Kenneth T. Neilson becomes CEO19
  7. Oct 20, 2010New chief executive Christopher Maher becomes CEO20
  8. Oct 3, 2006New chief executive Angelo Decaro becomes CEO21
  9. 1994Founded Founded1

Filings

210 filings to the SEC since October 2021: 5 annual reports, 17 quarterly reports, 65 major events, 63 insider forms, 15 large holders, 4 private raises, 41 other. The latest 20:

  1. Oct 2, 20264 EDGAR
  2. Oct 1, 2026D EDGAR
  3. Sep 24, 2026424B5 EDGAR
  4. Sep 24, 20268-K EDGAR
  5. Sep 23, 20268-K EDGAR
  6. Sep 10, 20264 EDGAR
  7. Aug 27, 20264 EDGAR
  8. Aug 17, 20268-K EDGAR
  9. Aug 14, 202610-Q EDGAR
  10. Jul 31, 20264 EDGAR
  11. Jul 31, 20264 EDGAR
  12. Jul 31, 20264 EDGAR
  13. Jul 31, 20264 EDGAR
  14. Jul 31, 20268-K EDGAR
  15. Jul 13, 20268-K EDGAR
  16. Jul 2, 20264 EDGAR
  17. Jul 2, 20264 EDGAR
  18. Jul 2, 20264 EDGAR
  19. Jul 2, 20264 EDGAR
  20. Jul 2, 20264 EDGAR

The 210 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last three years, summarized. The full record is on SEC EDGAR.

Insider trades and holders

Large holders

Investors who own more than 5% must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively. 15 such filings since October 2021, the latest 10:

  1. Jun 10, 2026SCHEDULE 13G
  2. Mar 31, 2026SCHEDULE 13D/A
  3. Oct 23, 2025SCHEDULE 13D/A
  4. Sep 15, 2025SCHEDULE 13G/A
  5. Jul 8, 2025SCHEDULE 13D/A
  6. Apr 11, 2025SCHEDULE 13D
  7. Apr 2, 2025SCHEDULE 13D
  8. Mar 7, 2025SCHEDULE 13G/A
  9. Oct 10, 2024SC 13G/A
  10. Sep 30, 2024SCHEDULE 13D

From Forms 4 and Schedules 13D and 13G filed with the SEC.

Money raised

Private offerings the company reported to the SEC on Form D.

  1. Mar 20, 2025Raised $57.8 million in a private offering of equity Form D: 72 investors so far Form D
  2. Dec 21, 2022Raised $12 million in a private offering of debt Form D: 5 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 67. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Vanguard Capital Management LLC4,346,777$4.2M0.0%−54,755
Angel Oak Capital Advisors, LLC2,662,136$2.5M3.2%−504,123
Corient Private Wealth LP1,919,309$1.8M0.0%+440
Geode Capital Management, LLC986,548$945.1K0.0%−870,559
Millennium Management LLC752,658$720.7K0.0%New
BlackRock, Inc.637,425$610.3K0.0%−3,132,548
Vanguard Fiduciary Trust Co533,646$511.2K0.0%−97,971
Marshall Wace, Llp491,531$471.9K0.0%New
Composition Wealth, LLC434,748$416.3K0.0%No change
Curated Wealth Partners LLC427,980$409.8K0.0%−399,360
HighTower Advisors, LLC323,866$310.1K0.0%+28,835
Goldman Sachs Group Inc294,811$282.3K0.0%+157,481
Point72 Asset Management, L.P.294,294$281.8K0.0%+209,439
Lido Advisors, LLC275,397$263.7K0.0%+12
Susquehanna International Group, Llp261,699$250.6K0.0%+142,743
State Street Corp219,207$209.9K0.0%−488,634
Axxcess Wealth Management, LLC213,334$204.3K0.0%No change
Aster Capital Management (DIFC) Ltd210,080$201.2K0.0%New
Northern Trust Corp196,491$188.1K0.0%−635,430
Sanctuary Advisors, LLC188,089$180.1K0.0%+173,061
Citadel Advisors LLC185,461$177.6K0.0%+134,315
Qube Research & Technologies Ltd153,388$146.9K0.0%New
Aqr Capital Management LLC151,948$145.5K0.0%+140,252
Bridgeway Capital Management, LLC125,000$119.7K0.0%New
Rinkey Investments121,828$116.7K0.0%No change

13F reports cover disclosed long positions in U.S. stocks only.

Sources

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