Company: PNBK
Filing Date: 2025-06-04
Form Type: 424B5
Source: 0001437749-25-019364
Chunk: 13

Company: PATRIOT NATIONAL BANCORP INC
Filing Date: 2025-06-04
Form: 424B5
Chunk 13
---
 in the distribution of our securities, their compensation and any option they hold to acquire additional securities will be described in the applicable prospectus supplement. Net proceeds from the sale of securities will be set forth in the applicable prospectus supplement.

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 4 of this prospectus and any other risk factors contained in any applicable prospectus supplement and in the documents incorporated by reference herein and therein.

These securities are not savings accounts, deposits or other obligations of any of our bank and non-bank subsidiaries and are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.

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 |
| 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