Pathfinder Bancorp, Inc.
For the period ended Jun 30, 2026. Filed Aug 13, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Jun 30, 2026 · Filed Aug 13, 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 (Unaudited)
| June 30, | December 31, | |
|---|---|---|
| (In thousands, except share and per share data) | 2026 | 2025 |
| Assets | ||
| Cash and due from banks | $11,402 | $11,521 |
| Interest-earning deposits | 14,648 | 19,649 |
| Total cash and cash equivalents | 26,050 | 31,170 |
| Available-for-sale securities, at fair value | 366,147 | 276,815 |
| Held-to-maturity securities, at amortized cost (fair value of $106,011 and $125,198, respectively) | 111,371 | 130,324 |
| Marketable equity securities, at fair value | 6,213 | 6,034 |
| Federal Home Loan Bank stock, at cost | 6,935 | 2,560 |
| Loans held-for-sale | 5,700 | 5,900 |
| Loans, net of deferred fees | 888,975 | 896,670 |
| Less: Allowance for credit losses | 26,920 | 29,436 |
| Loans receivable, net | 862,055 | 867,234 |
| Premises and equipment, net | 17,669 | 18,008 |
| Operating lease right-of-use assets | 1,046 | 1,098 |
| Finance lease right-of-use assets | 15,489 | 15,885 |
| Accrued interest receivable | 6,511 | 6,328 |
| Foreclosed real estate | 137 | 137 |
| Intangible assets, net | 5,048 | 5,362 |
| Goodwill | 5,056 | 5,056 |
| Bank owned life insurance | 31,671 | 31,374 |
| Other assets | 25,405 | 23,351 |
| Total assets | $1,492,503 | $1,426,636 |
| Liabilities | ||
| Interest-bearing deposits | $960,706 | $987,471 |
| Noninterest-bearing deposits | 213,563 | 196,377 |
| Total deposits | 1,174,269 | 1,183,848 |
| Short-term borrowings | 125,000 | 44,000 |
| Long-term borrowings | 8,374 | 14,074 |
| Subordinated debt | 30,155 | 30,155 |
| Accrued interest payable | 469 | 424 |
| Operating lease liabilities | 1,259 | 1,304 |
| Finance lease liabilities | 16,201 | 16,390 |
| Other liabilities | 11,032 | 13,990 |
| Total liabilities | 1,366,759 | 1,304,185 |
| Shareholders' equity | ||
| Voting common stock, par value $0.01; 25,000,000 authorized shares; 4,898,360 and 4,805,361 shares issued and outstanding, respectively | 49 | 48 |
| 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 | 55,624 | 54,390 |
| Retained earnings | 77,180 | 73,366 |
| Accumulated other comprehensive loss | (7,123) | (5,367) |
| Total shareholders' equity | 125,744 | 122,451 |
| Total liabilities and shareholders' equity | $1,492,503 | $1,426,636 |
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