Company: PNBK
Filing Date: 2025-05-23
Form Type: 424B3
Source: 0001437749-25-018349
Chunk: 7

Company: PATRIOT NATIONAL BANCORP INC
Filing Date: 2025-05-23
Form: 424B3
Chunk 7
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 Stock issued to the Selling Securityholders in the Private Placement. See “Selling Securityholders.”                                                     |
| Use of proceeds                                     |     | We will not receive any proceeds from the sale of the Resale Shares to be offered by the Selling Securityholders. See “Use of proceeds.”                                                                                                                                                                                                                                             |
| Trading Symbol                                      |     | Our shares of Common Stock are listed on Nasdaq under the symbol “PNBK.”                                                                                                                                                                                                                                                                                                             |
| Risk Factors                                        |     | Any investment in the securities offered hereby is speculative and involves a high degree of risk. You should carefully consider the information set forth under “Risk Factors” and elsewhere in this prospectus, as well as the risk factors described or referred to in any documents incorporated by reference into this prospectus, and in any applicable prospectus supplement. |

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RISK FACTORS</div>

Investing in our securities involves a high degree of risk. You should carefully consider the risk factors set forth below, the risk factors incorporated by reference to our most recent Annual Report on Form 10-K and other filings under the Exchange Act, all other information contained or incorporated by reference into this prospectus, as well as the risk factors and other information contained in any applicable prospectus supplement, before making an investment decision. The risks described in these documents are not the only ones we face. Additional risks and uncertainties not presently known to us or that we currently deem immaterial also may impair our business operations. Past financial performance may not be a reliable indicator of future performance, and historical trends should not be used to anticipate results or trends in future periods. If any of these risks actually occurs, our business, financial condition, results of operations or cash flow could be materially adversely affected. This could cause the trading price of our securities to decline, resulting in a loss of all or part of your investment. Please also carefully read the section titled“Cautionary Note Regarding Forward-Looking Statements.”

Risks Related to this Offering by the Selling Securityholders

The sale of the securities registered for resale hereunder and future sales of substantial amounts of our securities in the public market, or the perception that such sales may occur, may cause the market price of our securities to decline significantly.

We are registering for resale 79,529,275 shares of Common Stock, consisting of: (i) 72,262,715 shares of Common Stock issued to the Selling Securityholders, and (ii) 7,266,560 shares of Common Stock issuable upon the conversion