Welcome to our dedicated page for Pathfinder Bancorp Md news (Ticker: PBHC), a resource for investors and traders seeking the latest updates and insights on Pathfinder Bancorp Md stock.
Pathfinder Bancorp, Inc. (NASDAQ: PBHC) is the holding company for Pathfinder Bank, a commercial bank in the savings institutions industry. This news page aggregates company-issued updates, including earnings announcements, dividend declarations, and other events that Pathfinder Bancorp reports through press releases and SEC Form 8-K filings.
Recent news from the company has focused on quarterly financial results, where management discusses net interest income, net interest margin, asset quality metrics, and noninterest income and expense. Pathfinder Bancorp has also highlighted its efforts to mitigate credit risk through portfolio reviews, loan sales, and adjustments to reserves, as well as its focus on expanding and managing its core deposit base.
Investors following PBHC can use this page to review announcements about quarterly and annual performance, information on nonperforming and classified loans, and commentary on the company’s credit risk management framework. The company’s disclosures also cover topics such as the efficiency ratio, pre-tax, pre-provision net income, and the impact of specific transactions, including branch acquisitions and business sales, on reported results.
In addition, Pathfinder Bancorp regularly issues press releases announcing quarterly cash dividends on its voting and non-voting common stock and on a notional share amount related to an issued warrant. These dividend announcements include record dates and payment dates approved by the Board of Directors. By checking this news feed, readers can monitor the timing and terms of these dividends, as well as other material events that the company chooses to disclose.
Pathfinder Bancorp (NASDAQ: PBHC) reported a Q4 2025 net loss of $7.0M and a full‑year 2025 net loss of $3.4M, driven by an $11.2M credit loss provision tied to a completed comprehensive review of commercial loans.
The company increased its allowance for credit losses to $29.4M (3.28% of loans), transferred $6.3M of substandard loans to held‑for‑sale, reported nonperforming loans of $27.6M, ended the quarter with $896.7M loans and $1.18B deposits, and declared a $0.10 per share quarterly dividend.
Pathfinder Bancorp (NASDAQ: PBHC) declared a $0.10 cash dividend per share for the fiscal quarter ending December 31, 2025, payable on common voting and non-voting shares and on notional warrant shares.
The dividend will be payable to shareholders of record on January 16, 2026 and will be paid on February 6, 2026. Contact: James A. Dowd, President and CEO, (315) 343-0057.
Pathfinder Bancorp (NASDAQ: PBHC) reported third quarter 2025 net income attributable to common shareholders of $626,000 or $0.10 per diluted share, versus a net loss of $4.6M or $0.75 per share in Q3 2024 and $31,000 in the linked quarter. Provision for credit losses was $3.5M, up from $1.2M in Q2 2025 and down from $9.0M year-ago. Allowance for credit losses increased to $18.7M. Net charge-offs fell 74.2% sequentially and 92.3% year-over-year. Loans were $898.5M, deposits $1.23B, core deposits 78.4% of total, and net interest margin was 3.34%. A comprehensive loan review is expected to finish by year-end 2025.
Pathfinder Bancorp (NASDAQ: PBHC) has declared a quarterly cash dividend of $0.10 per share for both its voting and non-voting common stock for Q3 2025. The dividend will also apply to notional shares for issued warrants. The dividend is payable to shareholders of record on October 17, 2025, with payment scheduled for November 7, 2025.
Pathfinder Bank operates throughout Central New York, serving Oswego, Syracuse, and neighboring communities with retail banking and investment services. The bank maintains a diverse portfolio of consumer, mortgage, and commercial loans.
Pathfinder Bancorp (NASDAQ: PBHC) reported Q2 2025 net income of $31,000 (less than $0.01 per share), down from $3.0 million ($0.47/share) in Q1 2025 and $2.0 million ($0.32/share) in Q2 2024. The significant decline was primarily due to a $3.1 million pre-tax loss from the July 2025 sale of $9.3 million in nonperforming loans.
Key metrics include: Net interest income of $10.8 million with 3.11% net interest margin, total deposits of $1.22 billion, and total loans of $909.7 million. The company's efficiency ratio improved to 65.66%. Notably, nonperforming loans decreased to $11.7 million (1.28% of total loans), showing a 52.3% improvement from June 2024.
The bank demonstrated strong core deposit growth, reaching 78.47% of total deposits, while maintaining focus on commercial lending which grew to $549.1 million, representing 60.4% of total loans.
Pathfinder Bancorp (NASDAQ: PBHC) has declared a quarterly cash dividend of $0.10 per share for both voting common and non-voting common stock for Q2 2025. The dividend also includes $0.10 per notional share for the issued warrant.
The dividend will be paid on August 8, 2025, to shareholders of record as of July 18, 2025. Pathfinder Bank serves Central New York customers throughout Oswego, Syracuse, and neighboring communities, offering consumer, mortgage, and commercial loan portfolios, as well as investment services.
Pathfinder Bancorp reported strong Q1 2025 financial results with net income of $3.0 million or $0.41 per diluted share, up from $2.1 million or $0.34 per share in Q1 2024. The bank showed significant improvements in several key metrics:
Total deposits reached $1.26 billion, growing 5.0% in Q1 and 10.3% year-over-year. Core deposits increased to 78.31% of total deposits. Net interest income rose to $11.4 million, with net interest margin expanding to 3.31%. The bank's efficiency ratio improved to 66.84%.
Notable achievements include:
- Commercial loans at $542.7 million (59.5% of total loans)
- Nonperforming loans decreased by 40.1% to $13.2 million
- Higher-cost borrowings reduced by 49.3% to $44.6 million
The bank declared a cash dividend of $0.10 per share for both voting and non-voting common stock.
Pathfinder Bancorp (NASDAQ: PBHC) has declared a quarterly cash dividend of $0.10 per share for both voting common and non-voting common stock for Q1 2025. The dividend also includes $0.10 per notional share for issued warrants. The dividend will be payable on May 9, 2025, to shareholders of record as of April 18, 2025.
Pathfinder Bank, a New York State chartered commercial bank headquartered in Oswego, operates twelve full-service offices across Oswego and Onondaga County, plus one -purpose office in Oneida County. The bank's deposits are insured by the Federal Deposit Insurance
Pathfinder Bancorp (NASDAQ: PBHC) reported Q4 2024 net income of $4.3 million or $0.69 per share, including a $1.4 million benefit from the sale of its insurance agency. The company earned $3.8 million ($0.60 per share) for full-year 2024, compared to $9.3 million ($1.51 per share) in 2023.
Key Q4 2024 metrics include: net interest income of $10.8 million, net interest margin of 3.15%, and provision expense of $988,000. Total deposits reached $1.20 billion, growing 7.5% year-over-year. Total loans were $919.0 million, with commercial loans at $539.7 million.
Asset quality showed nonperforming loans at $22.1 million (2.40% of total loans), with an allowance for credit losses of $17.2 million (1.88% of total loans). The company declared a cash dividend of $0.10 per share.
Pathfinder Bancorp (NASDAQ: PBHC) has declared a cash dividend of $0.10 per share on both voting common and non-voting common stock for the fourth quarter of 2024. The dividend also includes $0.10 per notional share for issued warrants. The dividend will be paid on February 7, 2025, to shareholders of record as of January 17, 2025.
Pathfinder Bank, a New York State chartered commercial bank headquartered in Oswego, operates twelve full-service offices across Oswego and Onondaga County, plus one purpose office in Oneida County. The bank's deposits are FDIC-insured.
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