Welcome to our dedicated page for Pathfinder Bancorp Md SEC filings (Ticker: PBHC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Pathfinder Bancorp, Inc. filings document the regulatory record of a bank holding company whose subsidiary, Pathfinder Bank, gathers deposits and invests funds in loans and securities. The company’s 8-K filings report quarterly and annual financial results, financial-condition updates, credit-related reserve matters, tax adjustments, and dividend declarations on voting common stock, non-voting common stock, and the issued warrant.
Proxy materials describe annual meeting matters, director elections, auditor ratification, executive compensation disclosures, and shareholder voting procedures. Other filings document material agreements tied to privately placed securities, including registration rights and resale registration obligations, along with exhibits and Inline XBRL cover-page data.
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. is holding its Annual Meeting on June 4, 2026 in Oswego, New York to elect four directors and ratify Bonadio & Co., LLP as independent auditor for 2026.
Shareholders of record as of April 10, 2026, holding 4,876,213 shares of voting common stock in total, are entitled to one vote per share. The board highlights its independent chair structure, committee oversight of risk, and use of NASDAQ independence standards. The proxy describes significant insider and institutional ownership, with directors and executives owning 15.7% of voting stock and several 5%+ institutional holders.
The filing details executive pay philosophy, including a mix of salary, performance-based cash bonuses, and equity. In 2025, CEO James A. Dowd received total compensation of $1,820,456, including a large restricted stock unit grant under the 2024 Equity Incentive Plan intended to align pay with long‑term performance. The proxy also discloses related‑party mortgage loans on employee terms, a long‑term lease with an entity affiliated with a director, and a brokerage commission paid to a director‑owned firm, all described as made on permitted or customary terms.
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.
Pathfinder Bancorp, Inc. Senior Vice President Ronald G. Tascarella reported his current share and option holdings in company stock as of April 8, 2026. The filing shows no open-market purchases or sales, only updated ownership positions.
He directly holds 16,771 shares of common stock and indirectly holds 4,392 shares through an ESOP allocation for April 2026 and 15,352 shares through a 401(k) plan. He also has stock options covering 3,000 shares at $9.76 per share expiring in September 2030 and 1,500 shares at $10.37 per share expiring in October 2030.
Pathfinder Bancorp, Inc. insider Joseph F. Serbun, a Senior Vice President, reported updated holdings of the company’s common stock. As of April 8, 2026, he holds 16,000 shares directly and 4 shares indirectly through an ESOP account, reflecting ESOP shares allocated in April 2026. The filing records these positions but does not show any explicit new purchases or sales.
Pathfinder Bancorp, Inc. senior vice president William D. O'Brien filed an update showing his current share and stock option holdings. The filing reports direct ownership of 23,512 shares of common stock and indirect holdings of 9,243 shares through an ESOP and 3,255 shares through a 401(k) plan as of the reported date.
O'Brien also holds stock options on the company’s common stock, including options exercisable at $11.35 per share for 7,908 underlying shares expiring on May 6, 2026, and options exercisable at $10.37 per share for 1,500 underlying shares expiring on October 28, 2030. The entry is categorized as a holdings report with no explicit buy or sell transactions.
Pathfinder Bancorp, Inc. senior vice president and CIO Joseph Paul McManus reported his current ownership of the company’s common stock. He now holds 11,000 shares directly and 5,026 shares indirectly through an ESOP, with the footnote stating these ESOP shares reflect an allocation in April 2026.
Pathfinder Bancorp, Inc. Senior Vice President Robert G. Butkowski Jr. reported his existing share and option holdings, with no new buys or sales indicated. He holds 19,436 shares of common stock directly, plus indirect holdings of 6,346 shares through an ESOP, 14,291 shares through a 401K, and 6,500 shares through an IRA. He also holds stock options on 1,500 shares of common stock with a $10.37 exercise price expiring on October 28, 2030, and the ESOP balance reflects shares allocated in April 2026.
Pathfinder Bancorp, Inc. Executive Vice President and CFO Justin K. Bigham reported updated ownership of the company’s common stock. Following these entries dated April 8, 2026, he holds 24,000 shares directly and 5 shares indirectly through an ESOP, reflecting ESOP shares allocated in April 2026. The filing records holdings only and does not report any explicit purchases or sales.