NASDAQ: PBHC
Pathfinder Bancorp, Inc.CIK 0001609065 · SIC 6022 · State Savings Banks
Mid by assets
Assets $1.5B
as of Sep 20, 2026
Every 8-K is open in full. Other 10-Ks and 10-Qs show a 3-bullet preview. A free account reads 3 more full reports a month. Generating a report requires a verified account.
Sign up freeWant to see a complete report first? Today's free report (UEC 10-K) is open in full — no account needed.
8-K
Filed Sep 28, 2026
· Period ending Sep 28, 2026
Summary not yet generated.
10-Q
Filed Aug 13, 2026
· Period ending Jun 30, 2026
PBHC Q2 2026 net income rebounds to $2.7M on absence of prior-year loan charge
5 material changes detected. Sign up free to read the summary.
Partner
Trade PBHC commission-free
Open an account, get a free stock.
Investing involves risk. Free stock terms apply.
8-K
Filed Jul 30, 2026
· Period ending Jul 30, 2026
Pathfinder Bancorp reports Q2 2026 net income of $2.7M ($0.42/share), up from $0.01/share a year ago
5 material changes detected. Sign up free to read the summary.
8-K
Filed Jun 29, 2026
· Period ending Jun 29, 2026
Pathfinder Bancorp declares $0.10 quarterly dividend, payable August 7
1 material change detected. Sign up free to read the summary.
8-K
Filed Jun 4, 2026
· Period ending Jun 4, 2026
Summary not yet generated.
8-K
Filed Jun 4, 2026
· Period ending Jun 4, 2026
Red flag
Pathfinder Bancorp completes $11.4M reserve build after commercial portfolio review
5 material changes detected. Sign up free to read the summary.
10-Q
Filed May 15, 2026
· Period ending Mar 31, 2026
Net income falls 19% as nonperforming assets triple to $2.4M; NIM compresses 21bp
5 material changes detected. Sign up free to read the summary.
8-K
Filed May 7, 2026
· Period ending May 4, 2026
Pathfinder extends Castle Creek registration rights deadline for fourth consecutive year
2 material changes detected. Sign up free to read the summary.
10-K
Filed Mar 30, 2026
· Period ending Dec 31, 2025
Summary not yet generated.
10-Q
Filed Nov 14, 2025
· Period ending Sep 30, 2025
Summary not yet generated.
10-Q
Filed Aug 14, 2025
· Period ending Jun 30, 2025
Summary not yet generated.
10-Q
Filed May 15, 2025
· Period ending Mar 31, 2025
Summary not yet generated.
10-K
Filed Mar 31, 2025
· Period ending Dec 31, 2024
Summary not yet generated.
Latest financial statements
From 10-Q filed Aug 13, 2026 (period ending Jun 30, 2026). As printed on the EDGAR/iXBRL face — not generated by the model.
Consolidated Statements of Income (Unaudited)
(In thousands, except per share data)
| Description | three months ended, June 30, 2026 | three months ended, June 30, 2025 | six months ended, June 30, 2026 | six months ended, June 30, 2025 |
|---|---|---|---|---|
| Interest and dividend income | ||||
| Loans, including fees | 12,570 | 13,106 | 24,927 | 26,778 |
| Taxable investment securities | 4,920 | 5,522 | 9,519 | 10,707 |
| Tax-exempt investment securities | 368 | 465 | 703 | 867 |
| Dividends | 87 | 21 | 136 | 114 |
| Federal funds sold and interest earning deposits | 123 | 68 | 285 | 157 |
| Total interest and dividend income | 18,068 | 19,182 | 35,570 | 38,623 |
| Interest expense | ||||
| Interest on deposits | 6,182 | 7,318 | 12,315 | 14,263 |
| Interest on short-term borrowings | 604 | 495 | 870 | 1,040 |
| Interest on long-term borrowings | 99 | 72 | 213 | 137 |
| Interest on subordinated debt | 647 | 483 | 1,296 | 958 |
| Total interest expense | 7,532 | 8,368 | 14,694 | 16,398 |
| Net interest income | 10,536 | 10,814 | 20,876 | 22,225 |
| (Benefit from) provision for credit losses | ||||
| Loans | (182) | 1,173 | (368) | 1,677 |
| Held-to-maturity securities | (22) | 5 | (22) | 5 |
| Unfunded commitments | 49 | 19 | 67 | (28) |
| Total (benefit from) provision for credit losses, net | (155) | 1,197 | (323) | 1,654 |
| Net interest income after provision for credit losses | 10,691 | 9,617 | 21,199 | 20,571 |
| Noninterest income (loss) | ||||
| Service charges on deposit accounts | 381 | 380 | 757 | 754 |
| Earnings and gain on bank owned life insurance | 330 | 156 | 586 | 318 |
| Loan servicing fees | 68 | 97 | 157 | 198 |
| Net realized losses on sales and redemptions of investment securities | - | - | (5) | (8) |
| Net unrealized (losses) gains on marketable equity securities | (53) | 420 | 23 | 638 |
| Gains on sales of loans and foreclosed real estate | 95 | 83 | 281 | 148 |
| Fair value adjustment to loans held-for-sale 1 | - | (3,064) | (203) | (3,064) |
| Debit card interchange fees | 188 | 180 | 327 | 181 |
| Other charges, commissions & fees | 215 | 230 | 428 | 514 |
| Total noninterest income (loss) | 1,224 | (1,518) | 2,351 | (321) |
| Noninterest expense | ||||
| Salaries and employee benefits | 4,653 | 4,525 | 9,510 | 8,975 |
| Building and occupancy | 1,380 | 1,230 | 2,707 | 2,577 |
| Data processing | 774 | 667 | 1,507 | 1,333 |
| Professional and other services | 628 | 778 | 1,308 | 1,384 |
| Advertising | 66 | 77 | 155 | 218 |
| FDIC assessments | 232 | - | 436 | 229 |
| Audits and exams | 139 | 60 | 279 | 174 |
| Amortization expense | 157 | 157 | 314 | 314 |
| Community service activities | 1 | 28 | 22 | 39 |
| Foreclosed real estate expenses | 18 | 29 | 27 | 50 |
| Other expenses | 614 | 510 | 1,089 | 1,201 |
| Total noninterest expense | 8,662 | 8,061 | 17,354 | 16,494 |
| Income before provision for income taxes | 3,253 | 38 | 6,196 | 3,756 |
| Provision for income taxes | 585 | 7 | 1,115 | 751 |
| Net income | 2,668 | 31 | 5,081 | 3,005 |
| Voting Earnings per common share basic | 0.42 | - | 0.80 | 0.48 |
| Voting Earnings per common share diluted | 0.42 | - | 0.80 | 0.47 |
| Series A Non-Voting Earnings per common share- basic | 0.42 | - | 0.80 | 0.48 |
| Series A Non-Voting Earnings per common share- diluted | 0.42 | - | 0.80 | 0.47 |
| Dividends per common share (Voting and Series A Non-Voting) | 0.10 | 0.10 | 0.20 | 0.20 |
Consolidated Statements of Condition (Unaudited)
(In thousands, except share and per share data)
| Description | June 30, 2026 | December 31, 2025 |
|---|---|---|
| Assets | ||
| Cash and due from banks | 11,402 | 11,521 |
| Interest-earning deposits | 14,648 | 19,649 |
| Total cash and cash equivalents | 26,050 | 31,170 |
| Available-for-sale securities, at fair value | 366,147 | 276,815 |
| Held-to-maturity securities, at amortized cost (fair value of $106,011 and $125,198, respectively) | 111,371 | 130,324 |
| Marketable equity securities, at fair value | 6,213 | 6,034 |
| Federal Home Loan Bank stock, at cost | 6,935 | 2,560 |
| Loans held-for-sale | 5,700 | 5,900 |
| Loans, net of deferred fees | 888,975 | 896,670 |
| Less: Allowance for credit losses | 26,920 | 29,436 |
| Loans receivable, net | 862,055 | 867,234 |
| Premises and equipment, net | 17,669 | 18,008 |
| Operating lease right-of-use assets | 1,046 | 1,098 |
| Finance lease right-of-use assets | 15,489 | 15,885 |
| Accrued interest receivable | 6,511 | 6,328 |
| Foreclosed real estate | 137 | 137 |
| Intangible assets, net | 5,048 | 5,362 |
| Goodwill | 5,056 | 5,056 |
| Bank owned life insurance | 31,671 | 31,374 |
| Other assets | 25,405 | 23,351 |
| Total assets | 1,492,503 | 1,426,636 |
| Liabilities | ||
| Interest-bearing deposits | 960,706 | 987,471 |
| Noninterest-bearing deposits | 213,563 | 196,377 |
| Total deposits | 1,174,269 | 1,183,848 |
| Short-term borrowings | 125,000 | 44,000 |
| Long-term borrowings | 8,374 | 14,074 |
| Subordinated debt | 30,155 | 30,155 |
| Accrued interest payable | 469 | 424 |
| Operating lease liabilities | 1,259 | 1,304 |
| Finance lease liabilities | 16,201 | 16,390 |
| Other liabilities | 11,032 | 13,990 |
| Total liabilities | 1,366,759 | 1,304,185 |
| Shareholders' equity | ||
| Voting common stock, par value $0.01; 25,000,000 authorized shares; 4,898,360 and 4,805,361 shares issued and outstanding, respectively | 49 | 48 |
| Non-Voting common stock, par value $0.01; 1,505,283 authorized shares; 1,380,283 shares issued and outstanding, respectively | 14 | 14 |
| Additional paid in capital | 55,624 | 54,390 |
| Retained earnings | 77,180 | 73,366 |
| Accumulated other comprehensive loss | (7,123) | (5,367) |
| Total shareholders' equity | 125,744 | 122,451 |
| Total liabilities and shareholders' equity | 1,492,503 | 1,426,636 |
Consolidated Statements of Cash Flows (Unaudited)
(In thousands)
| Description | Six months ended June 30, 2026 | Six months ended June 30, 2025 |
|---|---|---|
| OPERATING ACTIVITIES | ||
| Net income | 5,081 | 3,005 |
| Adjustments to reconcile net income to net cash flows from operating activities: | ||
| (Benefit from) provision for credit losses | (323) | 1,654 |
| Proceeds from sales of loans held-for-sale | 8,680 | 5,573 |
| Originations of loans held-for-sale | (8,399) | (8,586) |
| Realized (gains) losses on sales, redemptions and calls of: | ||
| Loans | (281) | (148) |
| Available-for-sale investment securities | - | 4 |
| Held-to-maturity investment securities | 5 | 4 |
| Marketable securities | (23) | (638) |
| Depreciation | 752 | 823 |
| Amortization of mortgage servicing rights | 12 | (4) |
| Amortization of deferred loan fees and costs | 46 | 36 |
| Amortization of operating and finance leases, net | 214 | 215 |
| Amortization of deferred financing fees from subordinated debt | - | 99 |
| Earnings on bank owned life insurance | (586) | (318) |
| Net amortization of premiums and discounts on investment securities | (349) | (93) |
| Net amortization of premiums on intangible assets | 286 | 144 |
| Stock based compensation expense | 538 | 460 |
| Net change in accrued interest receivable | (183) | (8) |
| Net change in other assets and liabilities | (3,365) | (262) |
| Net cash inflows from operating activities | 2,105 | 1,960 |
| INVESTING ACTIVITIES | ||
| Purchase of available-for-sale securities | (138,682) | (54,842) |
| Purchase of held-to-maturity securities | - | (16,858) |
| Purchase of marketable securities | (156) | (167) |
| Purchase of Federal Home Loan Bank stock | (7,637) | (7,520) |
| Proceeds from redemption of Federal Home Loan Bank stock | 3,262 | 6,832 |
| Proceeds from maturities and principal reductions of available-for-sale securities | 46,725 | 22,555 |
| Proceeds from maturities and principal reductions of held-to-maturity securities | 15,041 | 15,014 |
| Proceeds from sales, redemptions and calls of: | ||
| Available-for-sale securities | - | 3,194 |
| Held-to-maturity securities | 3,830 | 2,516 |
| Net change in loans | 5,656 | 3,124 |
| Purchase of premises and equipment | (413) | (861) |
| Net cash outflows from investing activities | (72,374) | (27,013) |
| FINANCING ACTIVITIES | ||
| Net change in demand deposits, NOW accounts, savings accounts, money management deposit accounts, MMDA accounts and escrow deposits | 41,040 | 32,135 |
| Net change in time deposits | (29,685) | 2,790 |
| Net change in brokered deposits | (20,934) | (17,562) |
| Net change in short-term borrowings | 81,000 | 14,500 |
| Payments on long-term borrowings | (5,700) | (14,155) |
| Proceeds from long-term borrowings | - | 8,064 |
| Proceeds from exercise of stock options | 697 | 436 |
| Cash dividends paid to common voting shareholders | (968) | (950) |
| Cash dividends paid to common non-voting shareholders | (276) | (277) |
| Cash dividends paid on warrants | (25) | (25) |
| Net cash inflows from financing activities | 65,149 | 24,956 |
| Change in cash and cash equivalents | (5,120) | (97) |
| Cash and cash equivalents at beginning of period | 31,170 | 31,572 |
| Cash and cash equivalents at end of period | 26,050 | 31,475 |
| CASH PAID DURING THE PERIOD FOR: | ||
| Interest | 14,649 | 16,131 |
| Income taxes | 750 | 500 |
| NON-CASH INVESTING ACTIVITY | ||
| Fair value adjustment to loans held‑for‑sale | (203) | - |
| Transfer of loans to loans held-for-sale | - | 3,161 |
Amounts as printed on the EDGAR/iXBRL face — (In thousands, except per share data); (In thousands, except share and per share data); (In thousands). Labels, columns, and figures are the filing face, not a GAAP stencil. Interactive statements & notes on EDGAR ↗