Company: PNBK
Filing Date: 2025-05-23
Form Type: 424B3
Source: 0001437749-25-018349
Chunk: 1

Company: PATRIOT NATIONAL BANCORP INC
Filing Date: 2025-05-23
Form: 424B3
Chunk 1
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 prospectus supplement or amendment carefully before you invest in our securities.

Our registration of the Resale Shares covered by this prospectus does not mean that the Selling Securityholders will offer or sell, as applicable, any of the Resale Shares. The Selling Securityholders may offer and sell the Resale Shares covered by this prospectus in a number of different ways and at varying prices. We provide more information about how the Selling Securityholders may sell the Resale Shares in the section entitled “Plan of Distribution.” The Selling Securityholders may be deemed to be “underwriters” within the meaning of the Securities Act of 1933, as amended, or the “Securities Act.” The Selling Securityholders will bear all commissions and discounts, if any, attributable to their respective sales of the Resale Shares hereunder. We will bear all costs, expenses and fees in connection with the registration of the Resale Shares. We will not be paying any underwriting discounts or commissions in this offering.

Our Common Stock is listed on The Nasdaq Global Market, or “Nasdaq,” under the symbol “PNBK”. On May 13, 2025, the last reported sale price of the Common Stock as reported on Nasdaq was $6.71 per share.

Investing in our securities involves a high degree of risk. Before buying any securities, you should carefully read the discussion of the risks of investing in our securities in“Risk Factors”beginning on page 6 of this prospectus and any other risk factors contained in any applicable prospectus supplement and in the documents incorporated by reference herein and therein.

Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense.

<div align='center'>The date of this prospectus is May 22, 2025.

TABLE OF CONTENTS</div>

| ABOUT THIS PROSPECTUS                                |  1 |
| CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS |  2 |
| PROSPECTUS SUMMARY                                   |  3 |
| THE OFFERING                                         |  5 |
| RISK FACTORS                                         |  6 |
| USE OF PROCEEDS                                      |  7 |
| SELLING SECURITYHOLDERS                              |  8 |
| DESCRIPTION OF CAPITAL STOCK                         | 14 |
| PLAN OF DISTRIBUTION                                 | 19 |
| LEGAL MATTERS                                        | 21 |
| EXP