Every 10-Q that Pathfinder Bancorp Inc (PBHC) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow PBHC and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full PBHC filings page.
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 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. reported a return to profitability for the quarter ended September 30, 2025. Net income attributable to the company was $626 thousand, compared with a net loss of $4.6 million a year earlier. For the first nine months of 2025, net income was $3.6 million versus a net loss of $524 thousand in the prior-year period.
Total assets were $1.47 billion, with loans receivable, net, of $879.9 million and deposits of $1.23 billion as of September 30, 2025. The allowance for credit losses on loans was $18.7 million. Nonperforming loans totaled $23.3 million, representing 2.6% of total loans, slightly above 2.4% at year-end 2024.
Quarterly provision for credit losses dropped to $3.5 million from $9.0 million a year earlier, though it remained driven largely by two local commercial relationships that migrated to nonperforming status. The available-for-sale and held-to-maturity securities portfolios showed improved fair values relative to amortized cost, mainly reflecting changes in the interest rate environment rather than credit issues.