Regulatory and Operational Matters (Tables)

9 Months Ended

Sep. 30, 2025

Regulatory Capital Requirements under Banking Regulations [Abstract]

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations

The Company and Bank’s regulatory capital amounts and ratios at September 30, 2025 and December 31, 2024 are summarized as follows:


		September 30, 2025								December 31, 2024
		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		$	130,042	21.29	%	$	117,368	19.19	%	$	44,534	6.07	%	$	56,536	7.71	%
To be Well Capitalized	(1)	—		—		61,154		10.00	%	—		—		73,309		10.00	%

For capital adequacy		48,856		8.00	%	48,923		8.00	%	58,667		8.00	%	58,648		8.00	%
Individual minimum capital ratio	(2)	—		—	%	70,327		11.50	%	—		—	%	84,306		11.50	%

Tier 1 Capital (to risk weighted assets):
Actual		117,701		19.27	%	113,374		18.54	%	33,545		4.57	%	55,546		7.58	%
To be Well Capitalized	(1)	—		—		48,923		8.00	%	—		—		58,648		8.00	%

For capital adequacy		36,642		6.00	%	36,692		6.00	%	44,001		6.00	%	43,986		6.00	%
Individual minimum capital ratio	(2)	—		—	%	61,154		10.00	%	—		—	%	73,309		10.00	%

Common Equity Tier 1 Capital (to risk weighted assets):
Actual		109,701		17.96	%	113,374		18.54	%	25,545		3.48	%	55,546		7.58	%
To be Well Capitalized	(1)	—		—		39,750		6.50	%	—		—		47,651		6.50	%

For capital adequacy		27,481		4.50	%	27,519		4.50	%	33,000		4.50	%	32,989		4.50	%
Individual minimum capital ratio	(2)	—		—	%	61,154		10.00	%	—		—	%	73,309		10.00	%

Tier 1 Leverage Capital (to average assets):
Actual		117,701		12.42	%	113,374		11.95	%	33,545		3.50	%	55,546		5.79	%
To be Well Capitalized	(1)	—		—		47,420		5.00	%	—		—		47,948		5.00	%
For capital adequacy		37,917		4.00	%	37,936		4.00	%	38,368		4.00	%	38,358		4.00	%
Individual minimum capital ratio	(2)	—		—	%	85,356		9.00	%	—		—	%	86,306		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 OCC Agreement the Bank will not be designated as Well Capitalized until the OCC has evaluated the sustainability of the minimum capital ratios.

(2) The Capital ratios established by the OCC began to be required on April 17, 2024. It was not applicable to periods prior to that date and does not apply to bank holding companies - the Company.