Company: PNBK
Filing Date: 2025-06-04
Form Type: 424B5
Source: 0001437749-25-019364
Chunk: 6

Company: PATRIOT NATIONAL BANCORP INC
Filing Date: 2025-06-04
Form: 424B5
Chunk 6
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 for general corporate purposes, which may include capital expenditures, working capital and general and administrative expenses. See “Use of Proceeds” on page S-4 of this prospectus supplement for a more complete description of the intended use of proceeds from this offering. |
| Risk factors                                                                     | Investing in our Common Stock involves a high degree of risk. See the information contained in or incorporated by reference under the heading “Risk Factors” on page S-3 of this prospectus supplement, on page 4 in the accompanying prospectus and in the documents incorporated by reference into this prospectus supplement and the accompanying prospectus.                                                                                                                                |
| Nasdaq Global Market symbol                                                      | “PNBK”.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |

The number of shares of our Common Stock to be outstanding after this offering is based on 76,259,670shares of Common Stock outstanding as of June 2, 2025, and excludes, as of that date, the following:

| ● | 7,894,792 shares of Common Stock issuable upon the conversion of Senior Notes with a weighted average conversion price of $0.75 per share;                                                                                                |
| ● | 7,266,560 shares of Common Stock issuable upon the conversion of 90,832 shares of Series A Non-Cumulative Perpetual Convertible Preferred Stock, no par value per share, with a weighted average conversion price of $0.75 per share; and |
| ● | 19,167 shares of Common Stock issuable upon vesting of outstanding restricted stock awards.                                                                                                                                               |

Except as otherwise indicated, all information in this prospectus supplement assumes no settlement of stock-based awards under our 2025 Omnibus Equity Incentive Plan and no future grants under our 2020 Restricted Stock Award Plan, as amended.

<div align='center'>S-2

RISK FACTORS</div>

Investing in Shares of our Common Stock involves a high degree of risk. Before you decide to invest in Shares of our Common Stock, you should carefully consider the risks and uncertainties described below and in our Annual Report on Form 10-K for the year ended December 31, 2024, as revised or supplemented by our subsequent SEC filings, incorporated by reference into this prospectus supplement and the accompanying prospectus, together with all other information contained, or incorporated by reference, in this prospectus supplement and the accompanying prospectus. Risks and uncertainties not currently known to us or that we currently deem to be immaterial also may materially affect our business, financial