Pathfinder Bancorp (PBHC) First Vice President Joseph Polniak files Form 3

Rhea-AI Filing Summary

Pathfinder Bancorp, Inc. officer Joseph Polniak, who serves as First Vice President, filed an initial ownership report on Form 3. This filing establishes his status as an insider of the company but does not list any share transactions or changes in ownership.

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

Polniak Joseph

(Last) (First) (Middle)

214 WEST FIRST STREET

(Street)

OSWEGO NY 13126

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
12/31/2025

3. Issuer Name and Ticker or Trading Symbol
Pathfinder Bancorp, Inc. [ PBHC ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	First Vice President

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

No securities are beneficially owned.

	/s/ James A. Dowd as POA for Joseph Polniak	02/20/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What does the Form 3 filing by PBHC officer Joseph Polniak show?

The Form 3 filing shows that Joseph Polniak, First Vice President of Pathfinder Bancorp, Inc. (PBHC), has become a reporting insider. The filing establishes his reporting status but does not disclose any stock transactions or changes in ownership.

Is Pathfinder Bancorp (PBHC) insider Joseph Polniak a company officer?

Yes. The filing identifies Joseph Polniak as an officer of Pathfinder Bancorp, Inc. (PBHC) with the title of First Vice President. This officer status requires him to report his beneficial ownership under SEC insider reporting rules.

Does the PBHC Form 3 for Joseph Polniak report any share purchases or sales?

No transactions are listed. The Form 3 data for Pathfinder Bancorp, Inc. (PBHC) shows no reported buys, sells, acquisitions, or dispositions of shares, indicating the filing is purely an initial ownership report.

What is the purpose of a Form 3 filing for Pathfinder Bancorp (PBHC)?

A Form 3 filing establishes an insider’s initial beneficial ownership position in Pathfinder Bancorp, Inc. (PBHC). It is required when someone becomes an officer, director, or significant owner subject to ongoing insider reporting obligations.

How many insider transactions are summarized in PBHC’s Form 3 for Joseph Polniak?

The summary shows no insider transactions for Joseph Polniak. All transaction counts, including buy, sell, acquire, and dispose, are reported as zero, reflecting only his status as a newly reported insider of PBHC.