Regulatory and Operational Matters (Tables)

3 Months Ended

Mar. 31, 2026

The Company and Bank’s regulatory capital amounts and ratios at March 31, 2026 and December 31, 2025 are summarized as follows:


		March 31, 2026								December 31, 2025
		Patriot National Bancorp, Inc.				Patriot Bank, N.A.				Patriot National Bancorp, Inc.				Patriot Bank, N.A.
(Dollar amounts in thousands)		Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
Total Capital (to risk weighted assets):
Actual		$	128,666	17.06	%	$	123,135	16.25	%	$	129,587	20.76	%	$	120,329	19.25	%
To be Well Capitalized	(1)	—		—		75,782		10.00	%	—		—		62,516		10.00	%

For capital adequacy		60,328		8.00	%	60,626		8.00	%	49,934		8.00	%	50,013		8.00	%
OCC Agreement minimum		—		—	%	87,149		11.50	%	—		—	%	71,894		11.50	%

Tier 1 Capital (to risk weighted assets):
Actual		112,445		14.91	%	115,261		15.21	%	117,567		18.84	%	116,657		18.66	%
To be Well Capitalized	(1)	—		—		60,626		8.00	%	—		—		50,013		8.00	%

For capital adequacy		45,246		6.00	%	45,469		6.00	%	37,450		6.00	%	37,510		6.00	%
OCC Agreement minimum		—		—	%	75,782		10.00	%	—		—	%	62,516		10.00	%

Common Equity Tier 1 Capital (to risk weighted assets):
Actual		104,445		13.85	%	115,261		15.21	%	109,567		17.55	%	116,657		18.66	%
To be Well Capitalized	(1)	—		—		49,258		6.50	%	—		—		40,636		6.50	%

For capital adequacy		33,935		4.50	%	34,102		4.50	%	28,088		4.50	%	28,132		4.50	%
OCC Agreement minimum		—		—	%	75,782		10.00	%	—		—	%	62,516		10.00	%

Tier 1 Leverage Capital (to average assets):
Actual		112,445		9.23	%	115,261		9.45	%	117,567		11.52	%	116,657		11.42	%
To be Well Capitalized	(1)	—		—		61,002		5.00	%	—		—		51,097		5.00	%
For capital adequacy		48,742		4.00	%	48,802		4.00	%	40,835		4.00	%	40,878		4.00	%
OCC Agreement minimum		—		—	%	109,804		9.00	%	—		—	%	91,975		9.00	%

(1)