{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-022212","form_type":"8-K","ticker":"PNBK","cik":"0001098146","company_name":"PATRIOT NATIONAL BANCORP INC","filed_at":"2026-07-01T10:09:49+00:00","discovered_at":"2026-07-01T10:15:00.338030+00:00","generated_at":"2026-07-01T10:15:05.658686+00:00","sec_items":["7.01","1.01","9.01"],"event_type":"regulatory","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"OCC terminates Formal Agreement with Patriot Bank; regulatory overhang removed","bullets":["OCC terminated Formal Agreement effective June 30, 2026, citing safety and soundness no longer requires it.","Patriot spent over $5M on compliance since 2025; expects costs to decline sharply going forward.","Assets grew from $1.1B to $1.3B in H1 2026; loan originations >$40M/month at ~7% yield.","Beverly Hills location has >$100M in deposits; expansion into Greenwich and Palm Beach underway.","Board decided not to pursue reverse stock split; targeting $2B in assets for further scale."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-022212","json":"https://secwatch.observer/filing/0001437749-26-022212.json","markdown":"https://secwatch.observer/filing/0001437749-26-022212.md","text":"https://secwatch.observer/filing/0001437749-26-022212.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1098146/000143774926022212/0001437749-26-022212-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1098146/000143774926022212/pnbk20260701_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-01T10:15:05.658686+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}