| Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations |
The Company and Bank’s regulatory capital amounts and ratios at June 30, 2026 and December 31, 2025 are summarized as follows: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | June 30, 2026 | | December 31, 2025 | | | Patriot National Bancorp, Inc. | | Patriot Bank, N.A. | | Patriot National Bancorp, Inc. | | Patriot Bank, N.A. | | (Dollar amounts in thousands) | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Total Capital (to risk weighted assets): | | | | | | | | | | | | | | | | | | Actual | | $ | 130,052 | | | 14.22 | % | | $ | 130,212 | | | 14.15 | % | | $ | 129,587 | | | 20.76 | % | | $ | 120,329 | | | 19.25 | % | | To be Well Capitalized | (1) | — | | | — | | | 92,001 | | | 10.00 | % | | — | | | — | | | 62,516 | | | 10.00 | % | | | | | | | | | | | | | | | | | | | For capital adequacy | | 73,184 | | | 8.00 | % | | 73,601 | | | 8.00 | % | | 49,934 | | | 8.00 | % | | 50,013 | | | 8.00 | % | | OCC Agreement minimum | (1) | — | | | — | % | | — | | | — | % | | — | | | — | % | | 71,894 | | | 11.50 | % | | | | | | | | | | | | | | | | | | | Tier 1 Capital (to risk weighted assets): | | | | | | | | | | | | | | | | | | Actual | | 113,122 | | | 12.37 | % | | 121,629 | | | 13.22 | % | | 117,567 | | | 18.84 | % | | 116,657 | | | 18.66 | % | | To be Well Capitalized | (1) | — | | | — | | | 73,601 | | | 8.00 | % | | — | | | — | | | 50,013 | | | 8.00 | % | | | | | | | | | | | | | | | | | | | For capital adequacy | | 54,888 | | | 6.00 | % | | 55,201 | | | 6.00 | % | | 37,450 | | | 6.00 | % | | 37,510 | | | 6.00 | % | | OCC Agreement minimum | (1) | — | | | — | % | | — | | | — | % | | — | | | — | % | | 62,516 | | | 10.00 | % | | | | | | | | | | | | | | | | | | Common Equity Tier 1 Capital
(to risk weighted assets): | | | | | | | | | | | | | | | | | | Actual | | 104,874 | | | 11.46 | % | | 121,629 | | | 13.22 | % | | 109,567 | | | 17.55 | % | | 116,657 | | | 18.66 | % | | To be Well Capitalized | (1) | — | | | — | | | 59,801 | | | 6.50 | % | | — | | | — | | | 40,636 | | | 6.50 | % | | | | | | | | | | | | | | | | | | | For capital adequacy | | 41,166 | | | 4.50 | % | | 41,401 | | | 4.50 | % | | 28,088 | | | 4.50 | % | | 28,132 | | | 4.50 | % | | OCC Agreement minimum | (1) | — | | | — | % | | — | | | — | % | | — | | | — | % | | 62,516 | | | 10.00 | % | | | | | | | | | | | | | | | | | | | Tier 1 Leverage Capital (to average assets): | | | | | | | | | | | | | | | | | | Actual | | 113,122 | | | 8.96 | % | | 121,629 | | | 9.60 | % | | 117,567 | | | 11.52 | % | | 116,657 | | | 11.42 | % | | To be Well Capitalized | (1) | — | | | — | | | 63,332 | | | 5.00 | % | | — | | | — | | | 51,097 | | | 5.00 | % | | For capital adequacy | | 50,482 | | | 4.00 | % | | 50,666 | | | 4.00 | % | | 40,835 | | | 4.00 | % | | 40,878 | | | 4.00 | % | | OCC Agreement minimum | (1) | — | | | — | % | | — | | | — | % | | — | | | — | % | | 91,975 | | | 9.00 | % |
(1) Designation as "Well Capitalized" does not apply to bank holding companies - the Company. Such categorization of capital adequacy only applies to insured depository institutions - the Bank. Under the terms of the OCC Agreement, terminated June 30, 2026, the Bank was not eligible to be “Well Capitalized” while the OCC Agreement was in effect and was designated as “Adequately Capitalized” regardless of its capital ratios being in excess of the regulatory defined Well Capitalized ratios.
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