Pathfinder Bancorp (PBHC) furnishes Q4 2025 earnings press release in 8-K

Rhea-AI Filing Summary

Pathfinder Bancorp, Inc. filed a current report to notify investors that it released its fourth quarter 2025 financial results. The company issued a press release on January 29, 2026, and attached it as Exhibit 99.1 to this report under the financial results disclosure item.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

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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): January 29, 2026

(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. ☐

Section 2 – Financial Information

Item 2.02 – Results of Operations and Financial Condition

On January 29, 2026, Pathfinder Bancorp, Inc. issued a press release disclosing its fourth quarter 2025 financial results. A copy of the press release is included as Exhibit 99.1 to this report.

The information in Item 2.02 to this Form 8-K and Exhibit 99.1 shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933 or the Securities Exchange Act of 1934, except as shall be expressly set forth in such filing.

Item 9.01 – Financial Statements and Results

Exhibit No.		Description
99.1		Press Release dated January 29, 2026
104		Cover Page Interactive Data File (embedded within the Inline XBRL document).

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:	January 29, 2026		By:	/s/ James A. Dowd
				James A. Dowd
				President and Chief Executive Officer

FAQ

What did Pathfinder Bancorp (PBHC) disclose in this 8-K filing?

Pathfinder Bancorp disclosed that it released its fourth quarter 2025 financial results. The company issued a press release on January 29, 2026, and attached it as Exhibit 99.1 to the Form 8-K under the results of operations and financial condition item.

Which period’s results does Pathfinder Bancorp (PBHC) address in this 8-K?

The filing addresses Pathfinder Bancorp’s financial results for the fourth quarter of 2025. These results are described in a press release dated January 29, 2026, which is included as Exhibit 99.1 and referenced in the results of operations disclosure section.

How did Pathfinder Bancorp (PBHC) communicate its Q4 2025 financial results?

Pathfinder Bancorp communicated its fourth quarter 2025 financial results through a press release. That press release, dated January 29, 2026, is attached to the Form 8-K as Exhibit 99.1 and is referenced in the financial information section of the report.

What is Exhibit 99.1 in Pathfinder Bancorp’s (PBHC) 8-K filing?

Exhibit 99.1 is the Pathfinder Bancorp press release dated January 29, 2026. This exhibit contains the company’s fourth quarter 2025 financial results and is incorporated in the Form 8-K under the item covering results of operations and financial condition.

Who signed the Pathfinder Bancorp (PBHC) 8-K reporting Q4 2025 results?

The Form 8-K was signed on behalf of Pathfinder Bancorp by James A. Dowd. He signed in his capacity as President and Chief Executive Officer, dated January 29, 2026, confirming the company’s authorization of the current report and its included exhibits.

Does Pathfinder Bancorp (PBHC) treat the Q4 2025 press release as filed or furnished?

The company specifies that the information under the results section and Exhibit 99.1 is not deemed filed. Instead, it is treated as furnished for purposes of the securities laws, unless expressly incorporated by reference in a future registration or reporting document.