Company: PNBK
Filing Date: 2025-09-02
Form Type: 424B5
Source: 0001437749-25-028162
Chunk: 2

Company: PATRIOT NATIONAL BANCORP INC
Filing Date: 2025-09-02
Form: 424B5
Chunk 2
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| 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 SUPPLEMENT</div>

This prospectus supplement and the accompanying prospectus relate to the offering of our Common Stock and Warrant Shares. Before buying any Shares of our Common Stock and Warrant Shares that we are offering, we urge you to carefully read this prospectus supplement and the accompanying prospectus, together with the information incorporated by reference as described under the headings “Where You Can Find More Information” and “Information Incorporated by Reference” in this prospectus supplement as well as any free writing prospectus we may authorize for use in connection with this offering. These documents contain important information that you should consider when making your investment decision.

This prospectus supplement and the accompanying prospectus are part of the registration statement on Form S-3 (File No. 333-287283) that we filed with the Securities and Exchange Commission, or the “SEC,” utilizing a shelf registration process, and that was declared effective by the SEC on May 22, 2025. This document is in two parts. The first part is this prospectus supplement, which describes the terms of this offering of our Common Stock and Warrants and also adds to, updates information contained in the accompanying prospectus and the documents incorporated by reference. The second part is the accompanying prospectus, which provides more general information, some of which may not apply to this offering. Generally, when we refer to this prospectus, we are referring to both parts of this document combined, together with the documents incorporated by reference herein or therein.

To the extent the information contained in this prospectus supplement differs from or conflicts with the information contained in the accompanying prospectus or any document incorporated by reference having an earlier date, the