Pathfinder Bancorp, Inc.

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

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.

See the whole filing, with its images and exhibits

Contents

Item 16. Form 10-K Summary

None.

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Signatures

Pursuant to the requirements of Section 13 of the Securities Exchange Act of 1934, the Company has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

			Pathfinder Bancorp, Inc.
Date:	March 30, 2026	By:	/s/ James A. DowdJames A. DowdPresident and Chief Executive Officer

Pursuant to the requirements of the Securities Exchange of 1934, this report has been signed below by the following persons on behalf of the Registrant and in the capacities and on the dates indicated.

By:	/s/ James A. Dowd	By:	/s/ Justin K. Bigham
	James A. Dowd, President, Chief Executive Officerand Director		Justin K. Bigham, Executive Vice President,Chief Financial Officer
	(Principal Executive Officer)		(Principal Financial and Accounting Officer)
Date:	March 30, 2026	Date:	March 30, 2026
By:	/s/ Lloyd Stemple	By:	/s/ William A. Barclay
	Lloyd Stemple, Director		William A. Barclay, Director
Date:	March 30, 2026	Date:	March 30, 2026
By:	/s/ John P. Funiciello	By:	/s/ Tony Scavuzzo
	John Funiciello, Director		Tony Scavuzzo, Director
Date:	March 30, 2026	Date:	March 30, 2026
By:	/s/ David A. Ayoub	By:	/s/ John F. Sharkey
	David A. Ayoub, Director		John F. Sharkey, Director
Date:	March 30, 2026	Date:	March 30, 2026
By:	/s/ Adam C. Gagas	By:	/s/ Melanie Littlejohn
	Adam C. Gagas, Director		Melanie Littlejohn, Director
Date:	March 30, 2026	Date:	March 30, 2026
By:	/s/ Meghan Crawford-Hamlin	By:	/s/ Eric Allyn
	Meghan Crawford-Hamlin, Director		Eric Allyn, Director
Date:	March 30, 2026	Date:	March 30, 2026

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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.