Pathfinder Bancorp, Inc.
For the period ended Dec 31, 2025. Filed Mar 30, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Mar 30, 2026
PBHC$16.75+0.2%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Consolidated Statements of Condition – December 31, 2025 and 2024
Consolidated Statem ents of Condition
| December 31, | December 31, | |
|---|---|---|
| (In thousands, except share and per share data) | 2025 | 2024 |
| ASSETS: | ||
| Cash and due from banks | $11,521 | $13,963 |
| Interest-earning deposits | 19,649 | 17,609 |
| Total cash and cash equivalents | 31,170 | 31,572 |
| Available-for-sale securities, at fair value | 276,815 | 269,331 |
| Held-to-maturity securities, at amortized cost (fair value of $125,198 and $151,023, respectively) | 130,324 | 158,683 |
| Marketable equity securities, at fair value | 6,034 | 4,076 |
| Federal Home Loan Bank stock, at cost | 2,560 | 4,590 |
| Loans held-for-sale | 5,900 | - |
| Loans, net of deferred fees | 896,670 | 918,986 |
| Less: Allowance for credit losses | 29,436 | 17,243 |
| Loans receivable, net | 867,234 | 901,743 |
| Premises and equipment, net | 18,008 | 19,009 |
| Operating lease right-of-use assets | 1,098 | 1,391 |
| Finance lease right-of-use assets | 15,885 | 16,676 |
| Accrued interest receivable | 6,328 | 6,881 |
| Foreclosed real estate | 137 | - |
| Intangible assets, net | 5,362 | 5,989 |
| Goodwill | 5,056 | 5,056 |
| Bank owned life insurance | 31,374 | 24,727 |
| Other assets | 23,351 | 25,150 |
| Total assets | $1,426,636 | $1,474,874 |
| LIABILITIES AND SHAREHOLDERS' EQUITY: | ||
| Deposits: | ||
| Interest-bearing | $987,471 | $990,805 |
| Noninterest-bearing | 196,377 | 213,719 |
| Total deposits | 1,183,848 | 1,204,524 |
| Short-term borrowings | 44,000 | 61,000 |
| Long-term borrowings | 14,074 | 27,068 |
| Subordinated debt | 30,155 | 30,107 |
| Accrued interest payable | 424 | 546 |
| Operating lease liabilities | 1,304 | 1,591 |
| Finance lease liabilities | 16,390 | 16,745 |
| Other liabilities | 13,990 | 11,810 |
| Total liabilities | 1,304,185 | 1,353,391 |
| Shareholders' equity: | ||
| Voting common stock, par value $0.01; 25,000,000 authorized shares; 4,805,361 and 4,745,366 shares issued and outstanding, respectively | 48 | 47 |
| Non-Voting common stock, par value $0.01; 1,505,283 authorized shares; 1,380,283 shares issued and outstanding, respectively | 14 | 14 |
| Additional paid in capital | 54,390 | 52,750 |
| Retained earnings | 73,366 | 77,816 |
| Accumulated other comprehensive loss | (5,367) | (9,144) |
| Total Pathfinder Bancorp, Inc. shareholders' equity | 122,451 | 121,483 |
| Total liabilities and shareholders' equity | $1,426,636 | $1,474,874 |
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