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Patriot Bank

Also a provider — view Patriot Bank’s profile →

“Can a sub-$1B Connecticut community bank remain relevant by pairing traditional SBA/commercial lending with a partnership-driven growth strategy under new leadership?”

Founded1994
HQStamford, Connecticut, USA
IndustryBank / Community
The story

Patriot Bank is a small Connecticut-based community bank (Fairfield/New Haven counties plus one Westchester, NY branch) chartered in 1994, publicly traded as PNBK. It offers standard retail and commercial banking — deposits, CDs, SBA and commercial real estate loans, business online banking with ACH/wires, and Clover-powered merchant processing via Fiserv. Under recent CEO Steven Sugarman (formerly of Banc of California and The Change Company CDFI), leadership has emphasized originations and strategic partnerships, but the bank does not publicly operate a BaaS or embedded finance program.

Last 12 months
—
Product timeline
1994
Patriot National Bank obtained its charter and opened as a community bank in Stamford, CT.· banking
1999
Patriot National Bancorp organized as bank holding company; later listed on NASDAQ as PNBK.· ipo
Regulated entities
1
regulatory licence held by Patriot Bank
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
5 layers disclosed in Patriot Bank’s embedded-finance stack
Payments / PSP
FiservClover
Money movement
in the full report
Banking / BaaS
in the full report
Card issuing
in the full report
Lending
in the full report
Accounting gap: none
10 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.