Every 8-K 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 8-K covers material events a company has to report between its quarterly 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. (PBHC) declared a quarterly cash dividend of $0.10 per voting common and non-voting common share, payable November 6, 2026, to shareholders of record October 16, 2026.
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. 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. 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. reported first quarter 2026 net income attributable to common shareholders of $2.4 million, or $0.38 per diluted share, compared with a $5.6 million loss in the prior quarter and $3.0 million of net income a year earlier.
Net interest income was $10.3 million with a net interest margin of 3.10%, slightly above the prior quarter but below 3.31% a year ago. Loans were $895.2 million and deposits $1.21 billion, with core deposits rising to 82.01% of total deposits. Asset quality remains pressured, as nonperforming loans increased to 4.26% of total loans, while the allowance for credit losses was $29.0 million, or 3.24% of loans. The company recorded a small credit loss provision benefit of $168,000 and declared a quarterly dividend of $0.10 per share.
Pathfinder Bancorp, Inc. declared a quarterly cash dividend of $0.10 per share on its voting and non-voting common stock, and $0.10 per notional share for the issued warrant for the fiscal quarter ending March 31, 2026.
The dividend will be paid on May 8, 2026 to shareholders of record as of April 17, 2026, providing regular cash returns to investors in line with the company’s ongoing dividend program.
Pathfinder Bancorp, Inc. updated its previously released fourth-quarter and full-year 2025 results after recording a non-cash $1.5 million additional income tax benefit for the quarter ended December 31, 2025.
The income tax benefit for the fourth quarter of 2025 was revised to $3.0 million, and the full-year 2025 income tax benefit was revised to $2.2 million. This reduced the reported net loss for the fourth quarter from $7.0 million, or $(1.11) per diluted share, to $5.6 million, or $(0.88) per diluted share. For the full year 2025, the net loss was revised from $3.4 million, or $(0.54) per diluted share, to $1.9 million, or $(0.31) per diluted share.
The change stems from an updated analysis of deferred tax assets as of December 31, 2025, which increased those balances and the associated income tax benefit. The adjustment does not affect cash taxes or operational cash flows and will be reflected in the forthcoming Form 10-K.
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.
Pathfinder Bancorp, Inc. announced it issued a press release disclosing its third quarter 2025 financial results. The disclosure was furnished under Item 2.02, with the press release included as Exhibit 99.1. The company notes the Item 2.02 information and Exhibit 99.1 are furnished and not filed under the Exchange Act.
Pathfinder Bancorp, Inc. reported that its Board of Directors declared a quarterly cash dividend of $0.10 per voting common and non-voting common share, and a cash dividend of $0.10 per notional share for the issued warrant.
The dividend is payable on November 7, 2025 to shareholders of record as of October 17, 2025. This payment provides recurring cash returns to holders of both common shares and the warrant’s notional shares.