Welcome to our dedicated page for Patriot Natl SEC filings (Ticker: PNBK), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Patriot National Bancorp, Inc. (NASDAQ: PNBK) SEC filings page brings together the company’s regulatory disclosures as a bank holding company and parent of Patriot Bank, N.A. Based in Stamford, Connecticut and founded in 1994, Patriot National Bancorp files reports and current updates that describe its financial condition, capital structure, governance, and material corporate events.
Through this page, readers can access Patriot National Bancorp’s periodic reports and current reports on Form 8-K, along with registration statements and prospectus supplements related to its securities offerings. These filings detail items such as loan and deposit balances, net interest income, non-interest income and expenses, provisions for credit losses, and capital levels, as well as the impact of accounting standards like the current expected credit loss methodology.
For capital and funding analysis, the filings include information on senior note offerings, amendments to those notes, conversions of senior note principal and interest into common stock, private placements of equity securities, and registered direct offerings of common stock and warrants. Investors can review the terms of these transactions, the intended use of proceeds, and the resulting changes to Patriot National Bancorp’s debt and equity structure.
Corporate governance and management disclosures in Forms 8-K and proxy-related filings cover the appointment and resignation of directors and executive officers, equity incentive plans, director compensation, and changes in the independent registered public accounting firm. These documents also include voting results from shareholder meetings and approvals of items such as amended and restated certificates of incorporation and potential share issuances under Nasdaq rules.
On Stock Titan, each Patriot National Bancorp filing is accompanied by AI-powered summaries that highlight key points, explain technical language, and point out important changes in risk factors, capital, or governance. Users can quickly scan annual reports, quarterly updates, and Form 4 insider transaction reports, while still having access to the full text as filed with the U.S. Securities and Exchange Commission. Real-time updates from EDGAR ensure that new PNBK filings, including 10-Ks, 10-Qs, 8-Ks, and registration statements, are added as they become available.
Patriot National Bancorp reports a major 2025 overhaul of its balance sheet, risk controls, and business model following a January 2025 Formal Agreement with the OCC. Assets rose to $1.09 billion, driven by higher cash and securities as loans shrank 16% to $592.6 million.
Management recapitalized the company, tightened lending, shifted excess liquidity into government and mortgage-backed securities, and refocused on relationship banking, institutional banking, and digital payments. Credit costs improved sharply, with net charge-offs falling to 0.32% of average loans and the allowance for credit losses at $6.8 million, or 1.15% of loans.
The OCC agreement designates the Bank in “troubled condition” and imposes elevated capital targets and extensive remediation in capital planning, BSA/AML, payments oversight, and risk management. Management also disclosed a material weakness in internal control over financial reporting as of December 31, 2025, requiring substantial ongoing remediation.
Sugarman Steven reported acquisition or exercise transactions in this Form 4 filing.
PATRIOT NATIONAL BANCORP INC President and CEO Steven Sugarman had 4,049,593 restricted stock units vest on March 25, 2026. Upon vesting, 2,089,043 shares of voting common stock were delivered to him, while 1,960,550 shares were withheld to satisfy tax obligations under the company’s tax policy.
Following these transactions, Sugarman holds 2,089,043 shares of voting common stock directly. In addition, 9,019,978 shares of voting common stock are held indirectly through the Steven and Ainslie Sugarman Living Trust, which is a revocable living trust for the benefit of Sugarman and his spouse, who both serve as trustees.
Patriot National Bancorp’s major shareholders updated their ownership disclosure in this amended Schedule 13D. Steven Sugarman, his spouse Ainslie Sugarman and their living trust now report beneficial ownership of 11,109,021 shares of voting common stock, representing 9.49% of the company’s voting shares as of March 25, 2026.
The filing details several equity events, including automatic conversion of 25,000 shares of Series A preferred into 2,000,000 non-voting shares, later converted into 2,000,000 voting shares. It also describes 4,049,593 restricted stock units vesting into 2,089,043 shares, with 1,960,550 shares withheld for taxes, and notes an agreement capping Sugarman’s beneficial ownership at 9.99% of outstanding voting securities.
PATRIOT NATIONAL BANCORP INC director Jonathan Paul Roth bought shares in the company. A footnote states that on December 19, 2025, he purchased 1,250 shares of common stock on the open market at an average price of $1.83 per share. Following this transaction, he directly holds 1,250 common shares.
PATRIOT NATIONAL BANCORP INC director reports initial shareholdings. Jeffrey T. Seabold filed a Form 3 showing beneficial ownership of 250 shares of Common Stock, held directly. A footnote explains these shares were purchased in open-market transactions before November 19, 2025, the date triggering the reporting requirement.
Patriot National Bancorp, Inc. furnished an investor presentation summarizing certain Q4 2025 financial information for Patriot Bank, National Association, its wholly owned banking subsidiary. The presentation was posted on the company’s Investor Relations website and attached as Exhibit 99.1.
The information is provided under Regulation FD as “furnished,” not “filed,” which means it is not automatically subject to certain Exchange Act liabilities or incorporated into other securities law filings unless specifically referenced.
Patriot National Bancorp, Inc. reported that its Board of Directors appointed three new directors on November 19, 2025: Ida Liu, Jonathan Roth and Jeffrey Seabold. Liu brings extensive global private banking experience from senior roles at Citi Private Bank, Roth adds nearly 40 years in real estate investment management and law, and Seabold contributes a background in commercial banking, community development finance, and bank entrepreneurship.
The company also posted an updated presentation of certain Q3 2025 financial information for Patriot Bank, National Association, on its investor relations website and furnished it as Exhibit 99.1. This information is furnished under Regulation FD and is not deemed filed for liability purposes under the Exchange Act.
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.
Patriot National Bancorp reported a net loss of $2.7 million for the quarter ended September 30, 2025, compared with a net loss of $27.0 million a year earlier. For the first nine months of 2025, the net loss narrowed to $10.4 million from $30.3 million in the prior-year period.
Total assets declined to $950.8 million from $1.01 billion at year-end 2024, as loans receivable fell to $581.5 million and deposits decreased to $830.9 million. Cash, cash equivalents and restricted cash increased to $201.5 million, and available-for-sale securities rose to $105.5 million.
The company executed a major recapitalization in 2025. Common shares outstanding increased from 3,991,852 at December 31, 2024 to 114,991,017 as of November 14, 2025, driven by preferred stock conversion, senior and subordinated debt conversions, and new common stock issuances, including a registered direct offering of 31,985,103 shares with associated warrants. Shareholders’ equity improved to $95.0 million from $4.3 million, while accumulated deficit widened to $97.3 million. Digital Payments income continued to grow, reaching $6.6 million year-to-date versus $3.5 million a year earlier.
Patriot National Bancorp (PNBK) reported insider activity by President and CEO Steven Sugarman. On 10/16/2025, 2,000,000 shares of non‑voting common stock were converted into 2,000,000 shares of voting common stock pursuant to the company’s Amended and Restated Certificate of Incorporation; no consideration was paid. The shares are held indirectly by the Steven and Ainslie Sugarman Living Trust. Following the conversion, 9,019,978 voting common shares were beneficially owned indirectly.
Separately, on 10/20/2025, 1,147,031 restricted stock units were acquired, representing the right to receive the same number of voting common shares, with a $0 price and a period from 10/01/2025 to 10/01/2026. After these transactions, 5,749,551 derivative securities were beneficially owned directly.