Patriot National Bancorp Inc.

Item 7.01. Regulation FD Disclosure. On July 7, 2026, Patriot Bank, N.A. (the “Bank”), the wholly-owned subsidiary of Patriot National Bancorp, Inc. (the “Company”), received a letter from the Office of the Comptroller of the Currency (“OCC”) notifying the board of directors of the Bank that, as of July 7, 2026, the OCC does not consider the Bank to be in “troubled condition” for purposes of 12 U.S.C. §183li and 12 C.F.R. §5.51. The Bank’s prior designation as being in “troubled condition” was disclosed in the Company’s Current Report on Form 8-K filed with the Securities and Exchange Commission (“SEC”) on January 21, 2025. The termination of the related Formal Agreement between the OCC and the Bank was previously disclosed in the Company’s Current Report on Form 8-K filed with the SEC on July 1, 2026. The information in this Item 7.01 is being furnished and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.