Risk factors

Patriot National Bancorp (PNBK) risk factors

Item 1A of every Patriot National Bancorp Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    31 risks24 new15 dropped6 reworded

    The bank entered into an OCC Formal Agreement requiring extensive remediation across capital, governance, and BSA/AML functions. Management is aggressively executing a strategic repositioning into digital payments and institutional banking. Heavy reliance on third-party program managers introduces heightened compliance, liquidity, and operational risk.

    Filed Mar 31, 2026
  • FY2024 10-K risk factors
    22 risks

    Patriot National Bancorp relies heavily on regional economic conditions in Connecticut and New York, significant commercial real estate lending, and exposure to interest rate fluctuations.

    Filed Apr 15, 2025