---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-23-001469"
form_type: "8-K"
ticker: "PNBK"
cik: "0001098146"
company_name: "PATRIOT NATIONAL BANCORP INC"
filed_at: "2023-03-07T23:59:59+00:00"
generated_at: "2026-06-18T09:17:36.347321+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Patriot National Bancorp reports Q4 2022 net income $1.8M, full year $6.2M

## Summary
- Q4 net income $1.8M ($0.45 EPS); full year $6.2M ($1.56 EPS) vs $5.1M in 2021.
- Net interest margin improved to 3.77% in Q4 and 3.46% annually from 3.05% and 2.92%.
- Loan growth 14.7% and deposit growth 14.9% YoY; total assets reached $1.0B.
- Non-GAAP tangible book value per share $18.63, up from $17.08 in 2021.
- Completed refinancing of $12.0M senior debt facility in December 2022.

## SEC filing metadata
- accession: 0001171843-23-001469
- form_type: 8-K
- ticker: PNBK
- cik: 0001098146
- company_name: PATRIOT NATIONAL BANCORP INC
- filed_at: 2023-03-07T23:59:59+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/1098146/000117184323001469/0001171843-23-001469-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1098146/000117184323001469/f8k_030623.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-23-001469
- JSON: https://secwatch.observer/filing/0001171843-23-001469.json
- Plain text: https://secwatch.observer/filing/0001171843-23-001469.txt

## Key facts
- Earnings Releases
  PATRIOT NATIONAL BANCORP INC reported the quarter and the year ended December 31, 2022 results: net income net income of $1.8 million, or $0.45 basic and diluted earnings per share for the quarter ended December 31, 2022.
  - Period: the quarter and the year ended December 31, 2022
  - Net income: net income of $1.8 million, or $0.45 basic and diluted earnings per share for the quarter ended December 31, 2022
  - Result: reported results
  source text: Patriot National Bancorp, Inc. (the “Company”) issued a press release, a copy of which is attached hereto as Exhibit 99.1, regarding its earnings for the quarter and the year ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1098146/000117184323001469/0001171843-23-001469-index.htm

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