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 a return to profitability for the quarter ended September 30, 2025. Net income attributable to the company was $626 thousand, compared with a net loss of $4.6 million a year earlier. For the first nine months of 2025, net income was $3.6 million versus a net loss of $524 thousand in the prior-year period.
Total assets were $1.47 billion, with loans receivable, net, of $879.9 million and deposits of $1.23 billion as of September 30, 2025. The allowance for credit losses on loans was $18.7 million. Nonperforming loans totaled $23.3 million, representing 2.6% of total loans, slightly above 2.4% at year-end 2024.
Quarterly provision for credit losses dropped to $3.5 million from $9.0 million a year earlier, though it remained driven largely by two local commercial relationships that migrated to nonperforming status. The available-for-sale and held-to-maturity securities portfolios showed improved fair values relative to amortized cost, mainly reflecting changes in the interest rate environment rather than credit issues.
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.
James A. Dowd, President and CEO (and Director) of Pathfinder Bancorp, Inc. (PBHC), reported a securities transaction dated 09/12/2025. The filing shows an acquisition of 3,000 shares of Common Stock at a price of $11.35 per share. After the transaction, the Form 4 reports 58,704 shares beneficially owned directly and 12,816 derivative securities (stock options) held directly. The filing also discloses indirect holdings of 18,052 shares via a 401(k) and 21,181 shares via an ESOP.
Adam C. Gagas, a director of Pathfinder Bancorp, Inc. (PBHC), reported changes in his beneficial ownership on a Form 4 covering transactions dated 08/28/2025. The filing shows Gagas holds securities indirectly: 15,800 shares by IRA and 149,664 shares by power of attorney before or separate from the reported transaction. On 08/28/2025 he reported a transaction coded M resulting in 3,116 shares acquired at $11.09 per share, and the form lists 26,801 shares as the amount beneficially owned following the reported transactions. The filing also discloses outstanding stock options: 8,787 options with a $11.35 exercise price expiring 05/06/2026 and 3,116 options with a $11.09 exercise price expiring 11/02/2025. The Form 4 is signed by a power of attorney on behalf of Gagas and reflects reporting obligations under Section 16.
AllianceBernstein L.P. reported beneficial ownership of 353,656 shares of Pathfinder Bancorp Inc common stock, representing 7.4% of the class. The filing states these shares are held solely for investment on behalf of client discretionary investment advisory accounts and that AllianceBernstein has sole voting and dispositive power over the shares.
The filing also notes that AllianceBernstein is a Delaware entity and a majority owned subsidiary of Equitable Holdings, Inc., but operates under independent management and reports its ownership separately.