Patriot National Bancorp, Inc. operates as the holding company for Patriot National Bank, which provides consumer and commercial banking services in Fairfield county, Connecticut and Westchester county, New York. The bank accepts checking accounts, interest-bearing NOW accounts, money market accounts, time certificates of deposit, savings accounts, and individual retirement accounts. It also offers real estate loans, including home mortgages, home improvement loans, bridge loans, and home equity lines of credit; personal loans, such as lines of credit, installment loans, and credit cards; and commercial loans, including secured and unsecured loans to service companies, real estate developers, manufacturers, restaurants, wholesalers, retailers, and professionals. In addition, the bank provides money orders, traveler's checks, ATMs, Internet banking, and debit cards. It invests in U.S. government agency and sponsored agency obligations, mortgage-backed securities, marketable equity securities, Federal Reserve Bank stock, and Federal Home Loan Bank stock. As of September 30, 2005, the bank had eight branch offices located in Fairfield County, Connecticut, as well as two mortgage origination offices located in Stamford, Connecticut and Melville, New York. The company was founded in 1994 and is based in Stamford, Connecticut.
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