Welcome to our dedicated page for Pathfinder Bancorp news (Ticker: PBHC), a resource for investors and traders seeking the latest updates and insights on Pathfinder Bancorp stock.
Pathfinder Bancorp, Inc. reports recurring developments for its role as the bank holding company of Pathfinder Bank, a commercial bank serving Central New York depositors and borrowers. Company updates commonly cover operating results, net interest margin, core deposit trends, commercial loan growth, residential and commercial real estate lending, small business and consumer lending, and credit quality.
News also includes capital-return actions such as quarterly cash dividends on voting and non-voting common stock and the issued warrant. Recent operating themes include commercial loan portfolio review activity, reserve levels, asset-quality actions, funding from the deposit franchise, and changes in noninterest income following the sale of the insurance agency business.
Pathfinder Bancorp (NASDAQ: PBHC) reported second quarter 2026 net income attributable to common shareholders of $2.7 million, or $0.42 per diluted share, up from $2.4 million ($0.38) in Q1 2026 and $31,000 (less than $0.01) in Q2 2025. According to Pathfinder Bancorp, results included a $155,000 provision benefit, supported by prior risk-based reserve builds.
The allowance for credit losses was $26.9 million, or 3.03% of total loans, with net charge-offs of $1.9 million. Loans were $889.0 million, and deposits $1.17 billion, with core deposits of $961.6 million (81.9% of deposits). Net interest income was $10.5 million and net interest margin 3.08%. Noninterest expense totaled $8.7 million, yielding an efficiency ratio of 74.26% and pre-tax, pre-provision income of $3.0 million. A quarterly cash dividend of $0.10 per share was declared, payable August 7, 2026.
Pathfinder Bancorp (NASDAQ: PBHC) declared a cash dividend of $0.10 per share on its voting and non-voting common stock for the fiscal quarter ending June 30, 2026.
The Q2 2026 dividend is payable to shareholders of record on July 17, 2026 and will be paid on August 7, 2026.
Pathfinder Bancorp (NASDAQ: PBHC) reported first-quarter 2026 net income attributable to common shareholders of $2.4 million, or $0.38 per diluted share. Core deposits and commercial loans grew, net interest margin expanded sequentially to 3.10%, and the allowance for credit losses was $29.0 million (3.24% of loans).
Deposits were $1.21 billion, loans were $895.2 million, and the company declared a quarterly dividend of $0.10 per share.
Pathfinder Bancorp (NASDAQ: PBHC) declared a $0.10 cash dividend per voting common share, non‑voting common share, and per notional warrant share for Q1 2026.
The dividend is payable to shareholders of record on April 17, 2026 and will be paid on May 8, 2026.
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.