<SEC-DOCUMENT>0001437749-18-001795.txt : 20180206
<SEC-HEADER>0001437749-18-001795.hdr.sgml : 20180206
<ACCEPTANCE-DATETIME>20180206135726
ACCESSION NUMBER:		0001437749-18-001795
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20180202
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20180206
DATE AS OF CHANGE:		20180206

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PATRIOT NATIONAL BANCORP INC
		CENTRAL INDEX KEY:			0001098146
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				061559137
		STATE OF INCORPORATION:			CT
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-29599
		FILM NUMBER:		18577120

	BUSINESS ADDRESS:	
		STREET 1:		900 BEDFORD ST
		CITY:			STAMFORD
		STATE:			CT
		ZIP:			06901
		BUSINESS PHONE:		2033247500
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>pnbk20180206_8k.htm
<DESCRIPTION>FORM 8-K
<TEXT>
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<p style="font-family: Times New Roman, Times, serif; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt;">&nbsp;</p>

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<p style="background-color:#FFFFFF;font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>UNITED STATES</b></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>SECURITIES AND EXCHANGE COMMISSION</b></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>Washington, D.C. 20549</b></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;">&nbsp;</p>

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<p style="text-align: center;"><b>FORM 8-K</b></p>

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<p style="font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;"><b>CURRENT REPORT</b></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>Pursuant to Section<font style="font-family:Times New Roman, Times, serif;font-size:10pt;">&nbsp;13 or 15(d)</font></b></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>of the Securities Exchange Act of 1934</b></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>Date of Report (Date of earliest event Reported):<font style="font-family:Times New Roman, Times, serif;font-size:10pt;">&nbsp;</font></b><font style="font-family:Times New Roman, Times, serif;font-size:10pt;"><b>February 2</b><b>, 2018</b></font></p>

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<p style="margin: 0pt;">&nbsp;</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>PATRIOT NATIONAL BANCORP, INC.</b></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>(Exact Name of Registrant as Specified in Charter)</b></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;">&nbsp;</p>

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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>Connecticut</b></p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>000-29599</b></p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>06-1559137</b></p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>(State or Other Jurisdiction</b></p>

			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>of Incorporation)</b></p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>(Commission</b></p>

			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>File Number)</b></p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>(I.R.S. Employer</b></p>

			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>Identification Number)</b></p>
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<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>900 Bedford Street, Stamford, Connecticut 06901</b></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>(Address of Principal Executive Offices) (Zip Code)</b></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>(203) 324-7500</b></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>(Registrant<font style="font-family:Times New Roman, Times, serif;font-size:10pt;">&rsquo;s telephone number, including area code)</font></b></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>Not Applicable</b></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>(Former name or former address, if changed since last report)</b></p>

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<p style="margin: 0pt;">&nbsp;</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</p>

<p style="margin: 0pt;">&nbsp;</p>

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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#9744;</p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#9744;</p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&#9744;</p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</p>
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<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&sect;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&sect;240.12b-2 of this chapter).</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">Emerging growth company<font style="font-family:Times New Roman, Times, serif;font-size:10pt;">&nbsp;&nbsp;&#9744;</font></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:justify;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section<font style="font-family:Times New Roman, Times, serif;font-size:10pt;">&nbsp;13(a) of the Exchange Act.&nbsp;&nbsp;&#9744;</font></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>

<div id="PGBK" style="width: 100%; margin-left: 0pt; margin-right: 0pt">
<div id="PGNUM" style="text-align: center; width: 100%">&nbsp;</div>

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<p style="margin: 0pt; text-align: left; font-family: Times New Roman, Times, serif; font-size: 10pt;">&nbsp;</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;"><b>Section 1 <font style="font-family:Times New Roman, Times, serif;font-size:10pt;">&ndash; Registrant&rsquo;s Business and Operations&nbsp;</font></b></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;"><b>&nbsp;</b></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:justify;"><b>Item<font style="font-family:Times New Roman, Times, serif;font-size:10pt;">&nbsp;1.01 &nbsp;Entry into a Material definitive Agreement</font></b></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:justify;"><b>&nbsp;</b></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:justify;">On February 2, 2018, Patriot National Bancorp, Inc. (the &ldquo;Company&rdquo;) and Hana Small Business Lending, Inc. (&ldquo;Hana SBL&rdquo;), a wholly-owned subsidiary of Hana Financial, Inc., entered into a definitive purchase agreement (&ldquo;Purchase Agreement&rdquo;), pursuant to which the Company<font style="font-family:Times New Roman, Times, serif;font-size:10pt;">&rsquo;s wholly-owned subsidiary, Patriot Bank, N.A. (&ldquo;Patriot&rdquo;), will acquire Hana SBL&rsquo;s Small&nbsp;Business&nbsp;Administration (&ldquo;SBA&rdquo;) lending business. </font></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:justify;">&nbsp;</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:justify;">The transaction includes the purchase of approximately $120 million of SBA 7(a) loans and servicing rights relating to a pool of $370 million in loans, and the assumption of two loan securitization vehicles, currently rated AA+ (Hana SBL Loan Trust 2014) and A- (Hana SBL Loan Trust 2016) by Standard and Poor<font style="font-family:Times New Roman, Times, serif;font-size:10pt;">&rsquo;s. Total cash consideration for the transaction is approximately $83 million and the assumption of approximately $41 million of liabilities. The transaction is subject to the satisfactory completion of certain due diligence requirements, purchase price adjustments at closing, and the receipt of required governmental and regulatory approvals.</font></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;"><b>Section<font style="font-family:Times New Roman, Times, serif;font-size:10pt;">&nbsp;7 &ndash; Regulation FD</font></b></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;"><b>Item 7.01. Regulation FD Disclosure</b></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:justify;">On <font style="font-family:Times New Roman, Times, serif;font-size:10pt;">February 6, 2018</font><font style="font-family:Times New Roman, Times, serif;font-size:10pt;">, the Company issued a press release, attached hereto as Exhibit 99.1, regarding&nbsp;Patriot&rsquo;s entry into the Purchase Agreement with Hana SBL.</font></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:justify;">&nbsp;</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:justify;">The information co<font style="font-family:Times New Roman, Times, serif;font-size:10pt;">ntained herein and the exhibit attached herewith shall be deemed furnished and not filed.</font></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;"><b>ITEM<font style="font-family:Times New Roman, Times, serif;font-size:10pt;">&nbsp;9.01. Financial Statements and Exhibits.</font></b></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">(d) Exhibits.</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>

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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;"><b>Exhibit<font style="font-family:Times New Roman, Times, serif;font-size:10pt;">&nbsp;No.</font></b></p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;<font style="font-family:Times New Roman, Times, serif;font-size:10pt;">&nbsp;</font></p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;"><b>Description</b></p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">99.1</p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;<font style="font-family:Times New Roman, Times, serif;font-size:10pt;">&nbsp;</font></p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;"><a href="ex_104406.htm" style="-sec-extract:exhibit;">Press Release of Patriot National<font style="font-family:Times New Roman, Times, serif;font-size:10pt;"> Bancorp, Inc., dated February 6, 2018</font></a></p>
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<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:center;"><b>SIGNATURE</b></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>

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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;"><b>PATRIOT NATIONAL BANCORP, INC.</b></p>
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			<td style="vertical-align: top; width: 55%;">&nbsp;</td>
			<td colspan="2" style="vertical-align: bottom; width: 4%;">&nbsp;</td>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">Date: <font style="font-family:Times New Roman, Times, serif;font-size:10pt;">February 6, 2018</font></p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">By:</p>
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			<td style="vertical-align: top; border-bottom: 1px solid rgb(0, 0, 0); width: 41%;">
			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">/s/ Richard Muskus</p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">Name:<font style="font-family:Times New Roman, Times, serif;font-size:10pt;">&nbsp;Richard Muskus</font></p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">&nbsp;</p>
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			<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin:0pt;text-align:left;">Title:<font style="font-family:Times New Roman, Times, serif;font-size:10pt;">&nbsp;President</font></p>
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<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>ex_104406.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
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			<td style="width: 50%; text-align: right; vertical-align: bottom;"><b>&nbsp;</b><i>Exhibit 99.1</i></td>
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<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:0pt;margin-right:25.2pt;margin-top:0pt;text-align:left;"><i>&nbsp;</i></p>

<p style="font-family: Times\ New\ Roman, Times, serif; font-size: 12pt; margin: 0pt; text-align: center;"><b>Patriot National Bancorp, Inc. to Acquire </b><font style="font-family:Times New Roman, Times, serif;font-size:12pt;"><b>SBA Business </b><b>Lending </b><b>Unit</b></font></p>

<p style="font-family: Times\ New\ Roman, Times, serif; font-size: 12pt; margin: 0pt; text-align: center;"><b>of </b><font style="font-family:Times New Roman, Times, serif;font-size:12pt;"><b>Hana Financial</b><b>, Inc.</b><b> </b></font></p>

<p style="font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;"><b>&nbsp;</b></p>

<p style="font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;"><i><b>Highlights Patriot</b></i><font style="font-family:Times New Roman, Times, serif;font-size:10pt;"><i><b>&rsquo;s commitment to SBA Lending; </b></i><i><b>Expected to Boost Earnings Growth</b></i></font></p>

<p style="font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;">&nbsp;</p>

<p style="font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;"><b>STAMFORD, CT</b><font style="font-family:Times New Roman, Times, serif;font-size:10pt;"><b> and L</b><b>OS ANGELES, CA</b><b> &ndash; February </b><b>6</b><b>, 2018</b> (GLOBE NEWSWIRE) - Patriot National Bancorp, Inc. (NASDAQ:PNBK), the parent holding company of Patriot Bank, N.A. (&ldquo;Patriot&rdquo;), and Hana Small Business Lending, Inc. (&ldquo;Hana SBL&rdquo;), a wholly-owned subsidiary of Hana Financial, Inc. (&ldquo;Hana Financial&rdquo;) announce the signing of a definitive purchase agreement pursuant to which Patriot will acquire Hana SBL&rsquo;s SBA Lending business. We expect that upon the closing of the transaction Patriot will become one of the nation&rsquo;s leading SBA 7(a) lenders.</font></p>

<p style="font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">&nbsp;</p>

<p style="font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">&ldquo;Hana SBL has built a strong reputation with a highly regarded <font style="font-family:Times New Roman, Times, serif;font-size:10pt;">and experienced team&rdquo;, commented Michael Carrazza, Patriot&rsquo;s Chairman and CEO. &ldquo;The integration of Hana SBL into Patriot&rsquo;s growing specialty finance category delivers impactful market presence, product diversification and significant earnings accretion.&rdquo;</font></p>

<p style="font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">&nbsp;</p>

<p style="font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">Hana SBL is a fully integrated <font style="font-family:Times New Roman, Times, serif;font-size:10pt;">national SBA origination and servicing platform. Its well-respected team has originated nearly $1 billion of SBA 7(a) loans since its inception and has achieved strong and consistent performance. &ldquo;We are proud of the team we built and the steady results they continue to deliver&rdquo;, stated Sunnie S. Kim, Hana Financial&rsquo;s President and CEO. &ldquo;It is a highly complementary fit for the team to be integrated into Patriot&rsquo;s growing operations, where they can be further supported.&rdquo; In 2017, Hana SBL was the third most active non-bank SBA lender in the nation, and one of the top 35 most active of all SBA lenders (among over 3,000 SBA lenders nationwide) as measured by SBA 7(a) approved face value of SBA 7(a) loans it originated and SBA approved guaranteed dollars attributable to those loans. Upon the closing of the transaction, the group will become part of Patriot&rsquo;s SBA team, and will be rebranded under Patriot&rsquo;s name.</font></p>

<p style="font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">&nbsp;</p>

<p style="font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">In 2017, Patriot became an approved SBA lender, with <font style="font-family:Times New Roman, Times, serif;font-size:10pt;">the intention to invest in and make SBA a significant product line. The acquired expertise and critical mass of Hana SBL accelerates Patriot&rsquo;s strategic plans, while simultaneously diversifying its asset classes and geographical exposure. The existing team will continue to operate from its base in Los Angeles, CA and through its origination offices across the United States. It will be complemented by Patriot&rsquo;s growing SBA unit, which will oversee and service eastern U.S. markets and be based from Patriot&rsquo;s Stamford, CT office complex.</font></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:0pt;margin-right:25.2pt;margin-top:0pt;text-align:justify;">&nbsp;</p>

<div id="PGBK" style="width: 100%; margin-left: 0pt; margin-right: 0pt">
<div id="PGNUM" style="text-align: center; width: 100%">&nbsp;</div>

<hr style="PAGE-BREAK-AFTER: always; border: none; width: 100%; height: 2px; color: #000000; background-color: #000000">
<div id="PGHDR" style="text-align: left; width: 100%">&nbsp;</div>
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<p style="margin: 0pt; text-align: left; font-family: Times New Roman, Times, serif; font-size: 10pt;">&nbsp;</p>

<p style="font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">The transaction includes the purchase<font style="font-family:Times New Roman, Times, serif;font-size:10pt;"> of approximately $120 million of SBA 7(a) loans and servicing rights relating to a pool of $370 million in loans, and the assumption of two loan securitization vehicles, currently rated &ldquo;AA+&rdquo; (Hana SBL Loan Trust 2014) and &ldquo;A-&rdquo; (Hana SBL Loan Trust 2016) by Standard and Poor&rsquo;s. Total cash consideration is approximately $83 million with the assumption of approximately $41 million of liabilities. The transaction is subject to the satisfactory completion of certain due diligence requirements, purchase price adjustments at closing and the receipt of required governmental and regulatory approvals. </font></p>

<p style="font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">&nbsp;</p>

<p style="font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">Advisors to Patriot on the transaction include <font style="font-family:Times New Roman, Times, serif;font-size:10pt;">Blank Rome LLP; Skadden, Arps, Slate, Meagher &amp; Flom LLP; and Evercore. Advisors to Hana Financial include </font><font style="font-family:Times New Roman, Times, serif;font-size:10pt;">Houlihan Lokey as financial advisor, and Jeffer, Mangels, Butler &amp; Mitchell LLP and Starfield &amp; Smith, P.C. as legal counsels.</font></p>

<p style="background-color: rgb(254, 254, 254); font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;"><b>&nbsp;</b></p>

<p style="background-color: rgb(254, 254, 254); font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;"><b>About Patriot National Bancorp, Inc.</b></p>

<p style="font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">Patriot National Bancorp, Inc. is <font style="font-family:Times New Roman, Times, serif;font-size:10pt;">the holding company of Patriot Bank N.A., a nationally charted commercial bank, headquartered in Stamford, Connecticut. It operates with 11 full service branches and interactive kiosk locations in Connecticut and New York. Since 1994, Patriot has been serving a growing regional customer base throughout the northeast. While dedication to the communities we represent is central to our mission, Patriot competes in multiple geographies and business sectors supported by its broad technological platform, commercial/consumer loan and deposit product base, and its team of highly seasoned bankers. For more information visit </font><font style="font-family:Times New Roman, Times, serif;font-size:10pt;">www.bankpatriot.com</font><font style="font-family:Times New Roman, Times, serif;font-size:10pt;">.</font></p>

<p style="background-color: rgb(254, 254, 254); font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;"><b>&nbsp;</b></p>

<p style="background-color: rgb(254, 254, 254); font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;"><b>Contacts</b></p>

<p style="background-color: rgb(254, 254, 254); font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">Patriot National Bancorp, Inc.</p>

<p style="background-color: rgb(254, 254, 254); font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">Mr. Richard Muskus</p>

<p style="background-color: rgb(254, 254, 254); font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">President</p>

<p style="background-color: rgb(254, 254, 254); font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">900 Bedford Street</p>

<p style="background-color: rgb(254, 254, 254); font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">Stamford, CT 06901</p>

<p style="background-color: rgb(254, 254, 254); font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">203-252-5939</p>

<p style="background-color: rgb(254, 254, 254); font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;"><b>&nbsp;</b></p>

<p style="background-color: rgb(254, 254, 254); font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;"><b>About Hana Financial, Inc.</b></p>

<p style="background-color: rgb(254, 254, 254); font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">Founded in 1994 by Sunnie S. Kim, Hana Financial, Inc. is a Los Angeles based non-bank financial services firm specializing in factoring, asset based lending and SBA lending. Since its inception, Hana Financial <font style="font-family:Times New Roman, Times, serif;font-size:10pt;">has had over $20 billion in factoring and loan originations. For more information, visit&nbsp;www.hanafinancial.com&nbsp;or call 213.240.1234.</font></p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:0pt;margin-right:25.2pt;margin-top:0pt;text-align:justify;">&nbsp;</p>

<p style="background-color:#FEFEFE;font-family:Times New Roman, Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:0pt;margin-right:25.2pt;margin-top:0pt;text-align:justify;"><b>Contacts</b></p>

<p style="background-color:#FEFEFE;font-family:Times New Roman, Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:0pt;margin-right:25.2pt;margin-top:0pt;text-align:left;">Hana Financial, Inc.<br>
<font style="font-family:Times New Roman, Times, serif;font-size:10pt;">Mr. Patrick Y. Shim<br>
SVP of Corporate Strategy &amp; Administration</font></p>

<p style="background-color:#FEFEFE;font-family:Times New Roman, Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:0pt;margin-right:25.2pt;margin-top:0pt;text-align:left;">1000 Wilshire Blvd., 20<font style="font-family:Times New Roman, Times, serif;font-size:10pt;"><sup>th</sup> Floor</font></p>

<p style="background-color:#FEFEFE;font-family:Times New Roman, Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:0pt;margin-right:25.2pt;margin-top:0pt;text-align:left;">Los Angeles, CA 90017</p>

<p style="background-color:#FEFEFE;font-family:Times New Roman, Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:0pt;margin-right:25.2pt;margin-top:0pt;text-align:left;">213-240-1234</p>

<p style="font-family: Times New Roman, Times, serif; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt;">&nbsp;</p>

<div id="PGBK" style="width: 100%; margin-left: 0pt; margin-right: 0pt">
<div id="PGNUM" style="text-align: center; width: 100%">&nbsp;</div>

<hr style="PAGE-BREAK-AFTER: always; border: none; width: 100%; height: 2px; color: #000000; background-color: #000000">
<div id="PGHDR" style="text-align: left; width: 100%">&nbsp;</div>
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<p style="margin: 0pt; text-align: left; font-family: Times New Roman, Times, serif; font-size: 10pt;">&nbsp;</p>

<p style="font-family:Times New Roman, Times, serif;font-size:10pt;margin-bottom:0pt;margin-left:0pt;margin-right:25.2pt;margin-top:0pt;text-align:justify;"><b>&ldquo;Safe Harbor&rdquo; Statement Under Private Securities Litigation Reform Act of 1995 </b></p>

<p style="font-family: Times New Roman, Times, serif; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt;">&nbsp;</p>

<p style="font-family: Times\ New\ Roman, Times, serif; font-size: 10pt; margin: 0pt; text-align: justify;">Certain statements contained in this press release, including, without limitation, statements as to the acquisition or the impact of the acquisition on Bancorp, statements as to Bancorp<font style="font-family:Times New Roman, Times, serif;font-size:10pt;">&rsquo;s, Hana SBL&rsquo;s, or their respective management&rsquo;s beliefs, expectations or opinions, and all other statements in this press release, other than historical facts, are forward-looking statements, as such term is defined in the Securities Exchange Act of 1934, as amended, which are intended to be covered by the safe harbors created thereby. Forward-looking statements are subject to a variety of risks and uncertainties, are subject to change at any time and may be affected by various factors that may cause actual results to differ materially from the expected or planned results. These factors include, but are not limited to, risk and uncertainties related to: (i) satisfactory completion of certain due diligence requirements related to the acquisition of Hana SBL&rsquo;s SBA lending </font><font style="font-family:Times New Roman, Times, serif;font-size:10pt;">business, (ii) the possibility that the closing conditions to the contemplated acquisition may not be satisfied or waived, (iii) the timing of the completion of the contemplated acquisition, (iv) the effect of the contemplated acquisition, including possible unknown liabilities of Hana SBL&rsquo;s SBA lending business, on Bancorp&rsquo;s operations, (v) Bancorp&rsquo;s integration of Hana SBL&rsquo;s SBA lending business following completion of the contemplated acquisition, including the expected benefits of the transaction, and (vi) other risks detailed from time to time in Bancorp&rsquo;s filings with the Securities and Exchange Commission. Bancorp and Hana SBL disclaim any intent or obligation to publicly update or revise any forward-looking statements, regardless of whether new information becomes available, future developments occur or otherwise.</font></p>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
