Pathfinder Bancorp (PBHC) VP reports 717 ESOP-held shares in latest Form 4

Rhea-AI Filing Summary

Pathfinder Bancorp, Inc. First Vice President Regina E. Bass reported her indirect holdings of the company’s common stock. Following an April 2026 allocation of ESOP shares, she now holds 717 shares indirectly through the employee stock ownership plan.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Bass Regina E

Role First Vice President

Type	Security	Shares	Price	Value
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 717 shares (Indirect, By ESOP)

Footnotes (1)

1. [object Object]

Key Figures

Indirect ESOP-held shares: 717 shares

1 metrics

Indirect ESOP-held shares 717 shares Common Stock held indirectly through ESOP after April 2026 allocation

Key Terms

ESOP, Common Stock, indirect

3 terms

ESOP financial

"Reflects ESOP shares allocated April 2026."

An Employee Stock Ownership Plan (ESOP) is a program that gives employees ownership shares in their company, often as part of their benefits package. It acts like a company-sponsored savings plan, allowing workers to have a stake in the company's success, which can boost motivation and loyalty. For investors, ESOPs can influence company decisions and stock value, making them an important aspect of corporate ownership and governance.

Common Stock financial

"security_title: "Common Stock""

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

indirect financial

""ownership_type": "indirect""

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Bass Regina E

(Last) (First) (Middle)

214 WEST FIRST STREET

(Street)

OSWEGO NEW YORK 13126

(City) (State) (Zip)

UNITED STATES

(Country)

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

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

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
04/08/2026

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

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

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

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock								717(1)	I	By ESOP

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Reflects ESOP shares allocated April 2026.

	/s/ James A. Dowd POA for Regina Bass	04/10/2026
	** 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 4 (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.
* Form 4: SEC 1474 (03-26)

FAQ

What did Pathfinder Bancorp (PBHC) executive Regina E. Bass report in this Form 4?

Regina E. Bass reported her indirect holdings of Pathfinder Bancorp common stock. After an April 2026 ESOP allocation, the filing shows she holds 717 shares indirectly through the company’s employee stock ownership plan, with no open-market purchases or sales disclosed.

How many Pathfinder Bancorp (PBHC) shares does Regina E. Bass hold after this filing?

The Form 4 reports that Regina E. Bass holds 717 shares of Pathfinder Bancorp common stock. These shares are reported as indirect ownership through the company’s employee stock ownership plan, reflecting an allocation recorded in April 2026 rather than a market trade.

Is Regina E. Bass’s ownership in PBHC shares direct or indirect?

Her reported Pathfinder Bancorp ownership is indirect. The Form 4 marks the 717 common shares with an indirect ownership code and describes the nature of ownership as “By ESOP,” meaning they are held for her benefit within the employee stock ownership plan.

Does this PBHC Form 4 show any insider buying or selling activity?

The Form 4 does not show open-market buying or selling. It records an ESOP share allocation, with 717 Pathfinder Bancorp common shares reported as indirectly owned. The transaction is classified as a holding entry tied to the April 2026 ESOP allocation footnote.

What does the ESOP footnote mean in Regina E. Bass’s PBHC Form 4?

The ESOP footnote states the entry reflects ESOP shares allocated in April 2026. This indicates the 717 Pathfinder Bancorp common shares are part of an employee stock ownership plan allocation, rather than shares acquired or disposed of through open-market transactions or option exercises.