Company: PNBK
Filing Date: 2025-05-14
Form Type: S-3
Source: 0001437749-25-016921
Chunk: 3

Company: PATRIOT NATIONAL BANCORP INC
Filing Date: 2025-05-14
Form: S-3
Chunk 3
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  1 |
| CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS |  2 |
| THE COMPANY                                          |  3 |
| RISK FACTORS                                         |  4 |
| USE OF PROCEEDS                                      |  5 |
| DESCRIPTION OF CAPITAL STOCK                         |  6 |
| DESCRIPTION OF DEBT SECURITIES                       | 11 |
| DESCRIPTION OF DEPOSITARY SHARES                     | 23 |
| DESCRIPTION OF WARRANTS                              | 26 |
| DESCRIPTION OF PURCHASE CONTRACTS                    | 27 |
| DESCRIPTION OF SUBSCRIPTION RIGHTS                   | 28 |
| DESCRIPTION OF UNITS                                 | 29 |
| PLAN OF DISTRIBUTION                                 | 30 |
| LEGAL MATTERS                                        | 31 |
| EXPERTS                                              | 32 |
| WHERE YOU CAN FIND MORE INFORMATION                  | 33 |
| INCORPORATION OF CERTAIN INFORMATION BY REFERENCE    | 33 |

<div align='center'>ABOUT THIS PROSPECTUS</div>

This prospectus is part of a registration statement on Form S-3 that we filed with the U.S. Securities and Exchange Commission (“SEC”), using a “shelf” registration process. Under this shelf registration statement, we may offer and sell from time to time, separately or together, any combination of our common stock, preferred stock, debt securities, depositary shares, warrants, purchase contracts, subscription rights and units in one or more offerings at an aggregate offering price of up to $250,000,000. The preferred stock, debt securities, warrants, purchase contracts, subscription rights and units may be convertible into, or exercisable or exchangeable for, our common or preferred stock or other securities issued by us.

This prospectus provides you with a general description of the securities we may offer. Each time we offer and sell securities, we will provide a prospectus supplement that will contain specific information about the terms of that offering. The prospectus supplement may also add, update or change information contained in this prospectus. You should read this prospectus and the applicable prospectus supplement together with the additional information described under the heading “Where You Can Find More Information.” We may also prepare free writing prospectuses that describe particular securities. Any free writing prospectus should also be read in connection with this prospectus and any prospectus supplement referred to therein. For purposes of this prospectus, any reference to an applicable prospectus supplement may also refer to a free writing prospectus, unless the context otherwise requires.

We have not authorized anyone