STOCK TITAN

Pathfinder (NASDAQ: PBHC) extends Castle Creek resale registration deadline

Filing Impact
(Moderate)
Filing Sentiment
(Neutral)
Form Type
8-K

Rhea-AI Filing Summary

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.

Positive

  • None.

Negative

  • None.
Item 1.01 Entry into a Material Definitive Agreement Business
The company signed a significant contract such as a merger agreement, credit facility, or major partnership.
Item 9.01 Financial Statements and Exhibits Exhibits
Financial statements, pro forma financial information, and exhibit attachments filed with this report.
Original resale registration filing deadline May 8, 2023 Initial deadline in the Registration Rights Agreement
Prior extended filing deadline May 8, 2026 Most recent extension before Fourth Amendment
New filing deadline May 8, 2027 Set by Fourth Amendment to Registration Rights Agreement
Agreement date of Fourth Amendment May 4, 2026 Date Pathfinder and Castle Creek agreed to extend deadline
Securities Purchase Agreement financial
"entered into a Securities Purchase Agreement with Castle Creek Capital Partners VII, L.P."
A securities purchase agreement is a written contract between a buyer and a seller outlining the terms for buying or selling financial assets such as stocks or bonds. It specifies details like the price, quantity, and conditions of the transaction, similar to a shopping list with agreed-upon terms. For investors, it provides clarity and legal protection when transferring ownership of these financial instruments.
Registration Rights Agreement regulatory
"the Company entered into a registration rights agreement with Castle Creek"
A registration rights agreement is a contract that gives investors the option to have their ownership stakes officially registered with the government, making it easier to sell their shares later. This agreement matters because it provides investors with a clearer path to cash out their investments if they choose, offering more liquidity and confidence in their ability to sell their holdings when desired.
resale registration statement regulatory
"file a resale registration statement by no later than May 8, 2023"
A resale registration statement is a document filed with regulators that allows existing shareholders to sell their shares to the public. It provides the necessary legal approval and information for these shares to be resold on the market, helping to increase the availability of shares for trading. For investors, it signals that shares held by current owners can be offered for sale, potentially affecting share prices and market liquidity.
Material Definitive Agreement regulatory
"Item 1.01 - Entry into a Material Definitive Agreement"
A material definitive agreement is a legally binding contract that creates major, long‑term obligations or rights for a company, such as loans, asset sales, mergers, or supplier deals. Think of it like a mortgage or lease for a business: it can change future cash flow, risk and control, so investors watch these agreements closely because they can materially affect a company’s value, financial health and stock price.
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C.  20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): May 4, 2026

PATHFINDER BANCORP, INC.

(Exact name of Registrant as specified in its charter)

Commission File Number: 001-36695

Maryland
38-3941859
(State or Other Jurisdiction of Incorporation or Organization)
(I.R.S. Employer Identification Number)

214 West First Street, Oswego, NY  13126
(Address of Principal Executive Office) (Zip Code)

(315) 343-0057
(Issuer's Telephone Number including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the Registrant under any of the following provisions:


Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14d-2(b))

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class
 
Trading Symbol(s)
 
Name of each exchange on which registered
Common Stock, $0.01 par value
 
PBHC
 
The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).
Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.


Item 1.01   - Entry into a Material Definitive Agreement

On May 8, 2019, Pathfinder Bancorp, Inc. (the “Company”) entered into a Securities Purchase Agreement with Castle Creek Capital Partners VII, L.P. (“Castle Creek”), pursuant to which the Company sold Castle Creek certain securities of the Company in a private placement. In connection with the private placement, the Company entered into a registration rights agreement with Castle Creek, also dated as of May 8, 2019 (the “Registration Rights Agreement”). Pursuant to the terms of the Registration Rights Agreement, the Company agreed to file a resale registration statement by no later than May 8, 2023 to register the resale of the securities.

Beginning in 2023 and continuing during each of the next two years, the Company and Castle Creek agreed to amend the Registration Rights Agreement to allow the Company an additional year to file a resale registration statement to register the resale of the securities with the most recent extension expiring on May 8, 2026.

On May 4, 2026, the Company and Castle Creek agreed to amend the Registration Rights Agreement to allow the Company to file a resale registration statement by no later than May 8, 2027 to register the resale of the securities.

The foregoing description of the Fourth Amendment to the Registration Rights Agreement does not purport to be complete and is qualified in its entirety by the full text of the Fourth Amendment to the Registration Rights Agreement attached as Exhibit 10.1 hereto.

Item 9.01 – Financial Statements and Exhibits

     (a) Financial statements of businesses acquired.  None.

     (b) Pro forma financial information.  None.

     (c) Shell company transactions: None.

     (d) Exhibits.

10.1
   Fourth Amendment to the Registration Rights Agreement
   
104
   Cover Page Interactive Data File (embedded in the cover page formatted in Inline XBRL)



SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

       
PATHFINDER BANCORP, INC.
         
Date:
 May 7, 2026
 
By:
 /s/ James A. Dowd
       
James A. Dowd
President and Chief Executive Officer

FAQ

What did Pathfinder Bancorp (PBHC) change in its agreement with Castle Creek?

Pathfinder Bancorp amended its Registration Rights Agreement with Castle Creek. The Fourth Amendment, dated May 4, 2026, extends the deadline for Pathfinder to file a resale registration statement for Castle Creek’s securities to May 8, 2027, replacing the prior May 8, 2026 deadline.

Why is the Pathfinder Bancorp (PBHC) amendment described as a material definitive agreement?

The amendment is labeled a material definitive agreement because it changes binding contract terms. Specifically, it revises the Registration Rights Agreement originally tied to a 2019 private placement, altering when Pathfinder must file a resale registration statement for Castle Creek’s securities.

What is the new deadline for Pathfinder Bancorp (PBHC) to file a resale registration statement?

The new deadline is May 8, 2027. Under the Fourth Amendment to the Registration Rights Agreement with Castle Creek, Pathfinder now has until May 8, 2027 to file a resale registration statement covering the securities issued in the 2019 private placement.

How has the Pathfinder Bancorp (PBHC) resale registration filing date evolved over time?

The original filing deadline was May 8, 2023. Beginning in 2023 and in each of the next two years, Pathfinder and Castle Creek agreed to annual extensions, most recently to May 8, 2026, and now further extended to May 8, 2027 under the Fourth Amendment.

Does the latest Pathfinder Bancorp (PBHC) amendment include new financial statements?

No, there are no new financial statements included. The disclosure states there are no financial statements of businesses acquired, no pro forma financial information, and no shell company transactions. The key item is the Fourth Amendment to the Registration Rights Agreement with Castle Creek.

Filing Exhibits & Attachments

4 documents