Company: PNBK
Filing Date: 2025-09-02
Form Type: 424B5
Source: 0001437749-25-028162
Chunk: 13

Company: PATRIOT NATIONAL BANCORP INC
Filing Date: 2025-09-02
Form: 424B5
Chunk 13
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 directly to the purchasers, without a placement agent, underwriter, broker or dealer. We estimate that the total expenses of the offering payable by us will be approximately $250,000.

Our Common Stock is listed on The Nasdaq Global Market, or “Nasdaq,” under the symbol “PNBK”. On August 28, 2025, the last reported sale price of the Common Stock as reported on Nasdaq was $1.56 per share.

Under the Purchase Agreements, no purchaser has the right to become, directly or indirectly, the beneficial owner (as determined under Rule 13d-3 under the Exchange Act) of more than 9.99% of the number of shares of our voting securities issued and outstanding.

The foregoing does not purport to be a complete statement of the terms and conditions of the Stock Purchase Agreement and Warrant Purchase Agreement. A copy of the form of the Securities Purchase Agreement and the Warrant Purchase Agreement and the form of Warrant will be included as an exhibit to our Current Report on Form 8-K to be filed with the SEC and incorporated by reference into the registration statement of which this prospectus supplement and the accompanying prospectus form a part. See “Where You Can Find More Information” and “Information Incorporated by Reference.”

No action has been or will be taken in any jurisdiction (except in the United States) that would permit a public offering of the securities offered by this prospectus supplement and accompanying prospectus, or the possession, circulation or distribution of this prospectus supplement and accompanying prospectus or any other material relating to us or the securities offered hereby in any jurisdiction where action for that purpose is required. Accordingly, the securities offered hereby may not be offered or sold, directly or indirectly, and neither this prospectus supplement and accompanying prospectus nor any other offering material or advertisements in connection with the securities offered hereby may be distributed or published, in any jurisdiction except in compliance with any applicable rules and regulations of any such jurisdiction.

<div align='center'>LEGAL MATTERS</div>

The validity of the Shares of Common Stock offered by this prospectus supplement will be passed upon by Michelman & Robinson, LLP.

<div align='center'>EXPERTS</div>

The consolidated financial statements of Patriot National Bancorp, Inc. as of December 31, 2024 and 2023 and for each of the years in the three-year period ended December 31, 2024 incorporated in this Prospectus by reference from the Patriot National Bancorp, Inc. Annual Report on Form