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Pathfinder Bancorp, Inc.

For the period ended Dec 31, 2025. Filed Mar 30, 2026.

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About this filing

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$16.71-0.1%Stored close · as of Nov 6, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Financial Statements and Supplementary Data

ITEM 8: FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

Index to Consolidated Financial Statements

Page
Management’s Report on Internal Control over Financial Reporting55
Report of Independent Registered Public Accounting Firm56
Consolidated Statements of Condition – December 31, 2025 and 202458
Consolidated Statements of Income – Years ended December 31, 2025 and 202459
Consolidated Statements of Comprehensive Income – Years ended December 31, 2025 and 202460
Consolidated Statements of Changes in Shareholders’ Equity – Years ended December 31, 2025 and 202461
Consolidated Statements of Cash Flows – Years ended December 31, 2025 and 202462
Notes to Consolidated Financial Statements63

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ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.