Pathfinder Bancorp reports Q2 2026 net income of $2.7M ($0.42/share), up from $0.01/share a year ago

Filed July 30, 2026 · Period ending July 30, 2026 · ~2 min read

Key Changes

• high

  Net income of $2.7M ($0.42/share) in Q2 2026, up from $2.4M ($0.38/share) in Q1 2026 and $31K (less than $0.01/share) in Q2 2025, driven by stable credit performance and improved earning asset deployment.

  Exhibit 99.1 view on EDGAR →
• high

  Recorded $155K provision benefit and $1.9M net charge-offs in Q2 2026, primarily from a previously reserved commercial loan identified in last year's portfolio review. Allowance for credit losses at $26.9M (3.03% of loans), down from $29.0M (3.24%) at March 31, 2026.

  Exhibit 99.1 view on EDGAR →
• medium

  Net interest income increased to $10.5M from $10.3M in Q1 2026, driven by reallocation of underutilized liquidity into available-for-sale securities. Net interest margin compressed slightly to 3.08% from 3.10% in the prior quarter.

  Exhibit 99.1 view on EDGAR →