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Pathfinder Bancorp, Inc. reported stronger results for the quarter ended June 30, 2026. Total assets were $1.49 billion, up from $1.43 billion at December 31, 2025, while total deposits were $1.17 billion. Short-term borrowings increased to $125.0 million from $44.0 million, and total shareholders’ equity rose to $125.7 million.
For the quarter, net interest income was $10.5 million versus $10.8 million a year earlier, with a net benefit from credit losses of $155 thousand compared with a $1.2 million provision. Noninterest income improved to $1.2 million from a $1.5 million loss, reflecting the absence of a prior-year fair value adjustment to loans held-for-sale. Net income increased to $2.7 million from $31 thousand, and diluted earnings per common share were $0.42. For the first six months of 2026, net income was $5.1 million versus $3.0 million, while other comprehensive loss of $1.8 million reduced total comprehensive income to $3.3 million.
Pathfinder Bancorp, Inc. 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 the prior quarter and $31,000 in the year-ago period. Results benefited from $10.5 million of net interest income, a $155,000 credit-loss provision benefit and a swing in noninterest income to $1.2 million from a loss a year earlier. Net interest margin was 3.08%, slightly below the prior quarter as higher deposit costs offset better asset yields.
Total assets were $1.49 billion at June 30, 2026. Loans were $889.0 million and deposits $1.17 billion, with core deposits of $961.6 million representing 81.9% of deposits, while borrowings increased to $133.4 million to fund AFS securities purchases. The allowance for credit losses was $26.9 million, or 3.03% of loans, absorbing $1.9 million of net charge-offs as nonperforming loans declined sequentially to $35.7 million, or 4.02% of loans, but remained above year-ago levels. The board declared a quarterly cash dividend of $0.10 per share, payable August 7, 2026; at a June 30 closing price of $15.88, the dividend yield was 2.52%.
Pathfinder Bancorp, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.10 per voting and non-voting common share for the fiscal quarter ending June 30, 2026. This dividend continues the company’s practice of returning cash to shareholders.
The dividend will be paid on August 7, 2026 to shareholders of record as of July 17, 2026. Pathfinder Bancorp is the holding company for Pathfinder Bank, a New York State chartered commercial bank with FDIC-insured deposits and a branch network across Oswego, Onondaga, and Oneida counties.
Pathfinder Bancorp, Inc. First Vice President and General Counsel Joseph Polniak bought 1,000 shares of common stock in an open-market purchase at $15.881 per share on June 15, 2026. Following this transaction, he directly owns 9,000 shares of Pathfinder Bancorp common stock.
Pathfinder Bancorp President and CEO James A. Dowd bought 1,400 shares of common stock at $13.685 per share in an open-market purchase through his 401K on June 2, 2026. After the trade, that 401K account holds 19,452 shares indirectly, alongside 21,193 shares via an ESOP and 71,520 shares held directly.
Pathfinder Bancorp, Inc. held its 2026 Annual Meeting of Shareholders on June 4, 2026. Shareholders elected four directors — David Ayoub, William Barclay, James Dowd, and John Sharkey — each to a three-year term until their successors are elected and qualified.
Shareholders also ratified the appointment of Bonadio & Company, LLP as the independent registered public accounting firm for the year ending December 31, 2026, with 3,981,917 votes cast in favor, 8,109 against, and 5,099 abstentions.
Pathfinder Bancorp, Inc. outlines its strategic position and financial profile at its 2026 Annual Meeting of Shareholders. Management emphasizes a 2025 “pivot” toward profitable growth, stronger risk management, and capitalizing on large semiconductor-driven development in Central New York.
The bank reports a strong core deposit franchise, with core deposits representing 82.01% of total deposits and loans equal to 73.88% of deposits as of March 31, 2026. Tangible common equity to tangible assets improved to 8.03% in Q1 2026, and regulatory capital ratios continue to exceed “well capitalized” thresholds.
Credit quality was addressed through a proactive commercial “asset quality reset,” including an $11.4 million risk-based reserve build in 2025 and allowance for credit losses of 3.24% of loans at March 31, 2026, above a 1.11% peer median. Management highlights expectations for more normalized credit costs and steadier earnings, supported by disciplined underwriting, expense control, and a 30-year record of common dividends, with a 3.13% dividend yield and annualized Q1 2026 dividends of $0.10 per share.
Pathfinder Bancorp, Inc. reported lower profitability for the quarter ended March 31, 2026. Net income was $2.4M, down from $3.0M a year earlier, and diluted earnings per common share for both Voting and Series A Non-Voting stock were $0.38 versus $0.47–$0.48 in the prior-year quarter.
Total assets were $1.42B, roughly flat with December 31, 2025, while loans receivable, net, held steady at about $866M. Deposits grew to $1.21B, up from $1.18B, and shareholders’ equity edged up to $123.6M.
Net interest income declined to $10.3M from $11.4M as both loan and securities interest income decreased. The company recorded a benefit from credit losses of $168K, compared with a $457K provision expense a year ago, reflecting improved asset quality metrics and lower net charge-offs. However, nonperforming loans rose to $38.2M, or 4.3% of total loans, from $27.6M and 3.1% at year-end 2025.
Other comprehensive loss of $1.3M, mainly from unrealized losses on available-for-sale securities and derivatives, reduced comprehensive income to $1.1M from $3.7M a year earlier. The company paid quarterly dividends of $0.10 per common share on both Voting and Series A Non-Voting stock and on outstanding warrants.
Pathfinder Bancorp, Inc. entered into a new amendment of its Registration Rights Agreement with Castle Creek Capital Partners VII, L.P. on May 4, 2026. The change gives the company until May 8, 2027 to file a resale registration statement covering securities sold to Castle Creek in a 2019 private placement.
This Fourth Amendment follows prior extensions that had most recently required the filing by May 8, 2026. No financial statements, pro forma information, or shell company transactions are included with this update.
Pathfinder Bancorp, Inc. director Melanie Littlejohn exercised stock options to acquire 8,787 shares of Common Stock at $11.35 per share and 7,913 shares at $13.4805 per share on May 4, 2026. Following these transactions, she holds 4,389 shares of Pathfinder Bancorp common stock directly.