---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-22-005408"
form_type: "8-K"
ticker: "PNBK"
cik: "0001098146"
company_name: "PATRIOT NATIONAL BANCORP INC"
filed_at: "2022-08-05T23:59:59+00:00"
generated_at: "2026-06-24T03:10:58.490879+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Patriot National Bancorp Q2 net income $1.3M, EPS $0.32; loans up 16.2%

## Summary
- Net income $1.3M ($0.32 EPS) vs $1.0M ($0.26 EPS) in Q2 2021; 6-month net income $2.1M.
- Loans grew 16.2% to $849.2M and deposits 13.1% to $846.8M vs Dec 31, 2021.
- Net interest margin improved to 3.17% (H1 2022) from 2.90% (H1 2021); prepaid card program tripled to $166.7M.
- Merger with American Challenger Development terminated; parties in active discussions for modified transaction.

## SEC filing metadata
- accession: 0001171843-22-005408
- form_type: 8-K
- ticker: PNBK
- cik: 0001098146
- company_name: PATRIOT NATIONAL BANCORP INC
- filed_at: 2022-08-05T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1098146/000117184322005408/0001171843-22-005408-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1098146/000117184322005408/f8k_080522.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-22-005408
- JSON: https://secwatch.observer/filing/0001171843-22-005408.json
- Plain text: https://secwatch.observer/filing/0001171843-22-005408.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.