Company: PNBK
Filing Date: 2025-05-23
Form Type: 424B3
Source: 0001437749-25-018349
Chunk: 0

Company: PATRIOT NATIONAL BANCORP INC
Filing Date: 2025-05-23
Form: 424B3
Chunk 0
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Filed pursuant to Rule 424(b)(3)

Registration No. 333-287286

PROSPECTUS

<div align='center'>79,529,275 Shares

PATRIOT NATIONAL BANCORP, INC.

Common Stock</div>

This prospectus relates to the offer and sale from time to time by the selling securityholders named in this prospectus, or collectively, the “Selling Securityholders,” or their permitted transferees, of up to 79,529,275 shares, or the “Resale Shares,” of the common stock, par value $0.01 per share, or “Common Stock,” of Patriot National Bancorp, Inc., or the “Company,” which consist of: (i) 72,262,715 shares of Common Stock issued to the Selling Securityholders, or the “Shares,” and (ii) 7,266,560 shares of Common Stock issuable to certain Selling Securityholders, or the “Underlying Shares,” upon the conversion of 90,832 shares of Series A Non-Cumulative Perpetual Convertible Preferred Stock, no par value per share, or the “Series A Preferred Stock.” Unless the context otherwise requires, for purposes of this prospectus, the terms “we,” “us,” “our,” etc. refer to the Company.

The Shares and Series A Preferred Stock were issued and sold to certain accredited investors in a private placement transaction, or the “Private Placement.” We are registering the offer and sale of the Resale Shares to satisfy the registration rights granted pursuant to the Purchase Agreements (as defined below) and Registration Rights Agreements (as defined below). While we will not receive any proceeds from the sale of the Resale Shares by the Selling Securityholders pursuant to this prospectus, or from the conversion of Series A Preferred Stock, we have received approximately $47 million in net proceeds from the issuances of the Shares and Series A Preferred Stock in the Private Placement.

This prospectus provides you with a general description of such securities and the general manner in which the Selling Securityholders or their pledgees, assignees or successors-in-interest may offer or sell the securities. More specific terms of any securities that the Selling Securityholders may offer or sell may be provided in a prospectus supplement that describes, among other things, the specific amounts and prices of the securities being offered and the terms of the offering. The prospectus supplement may also add, update or change information contained in this prospectus. You should read this prospectus and any